Published by Under Paid Claim LLC. Meet our public adjusters and check their licenses.
Reviewed by Cord Largo · Texas license #1862708 ·
Insurance only paying for part of your roof?
A roof claim can raise several different questions: what was damaged, which repairs the estimate includes, whether the proposed repair addresses the documented condition, and how the policy calculates payment. A contractor’s proposal and an insurer’s check are not directly comparable until the scope and deductions are understood.
Under Paid Claim LLC helps homeowners and commercial property owners in McAllen, Mission, Edinburg and the Rio Grande Valley review roof, hail and wind claim concerns. We start with your property and available records rather than assuming a roof must be replaced or that every claim needs additional payment.
What our inspection and estimate review can examine
- The roof material, accessible affected areas and relevant measurements.
- The insurer’s repair quantities, materials and included work.
- Related exterior or interior observations that need their own documentation.
- The contractor’s repair explanation and any earlier inspection records.
- The distinction between a scope disagreement and deductions in the payment.
For retained public-adjusting work, we organize supported findings, prepare the estimate and present the information to the insurer. Additional payment depends on the policy, evidence and claim circumstances.
Prepare for the review or an insurer reinspection
Gather the latest insurer estimate, prior versions, payment explanation, dated photographs and repair proposals. Make a short list of the areas or line items needing another look. Identify who can arrange safe property access. You do not need to climb onto a roof or enter an unsafe area to prepare.
Use our claim review checklist and hail and wind documentation guide. If the issue is a smaller check rather than missing repair work, read how an insurance payment is calculated.
A fictional example of a scope question
Suppose one estimate includes repair to a roof area, while a second also includes damaged flashing and a ceiling finish. The useful review identifies the location and evidence for each proposed item and whether the policy supports it. The difference between the two totals is not automatically additional money owed. This example is fictional and does not describe a client.
For independent consumer information, read the Texas Department of Insurance roof insurance guidance.
Your roofer is not your public adjuster. Know the difference.
A roofer can inspect your roof, identify repair needs, prepare a proposal and explain materials, measurements and repair methods to the insurer. Those records can support your claim. They do not make the roofer your public adjuster.
Texas prohibits a contractor from acting as a public adjuster or advertising to adjust a claim on property where that contractor provides or may provide contracting services—even if the contractor holds a public-adjuster license. This restriction does not prevent legitimate estimates or technical discussions.
For a roof claim you retain us to adjust, our work connects the roof inspection, photographs, measurements and policy information to a supported estimate and claim presentation. The roofer’s role remains the proposed or completed repair work.
Compare public adjuster, contractor and attorney roles
Texas law and TDI guidance
Texas Insurance Code §4102.163 restricts contractors from acting as public adjusters on property where they provide or may provide contracting services. TDI also explains that contractors may provide estimates and discuss technical information.
Read §4102.163 · Read TDI’s contractor guidance · View all cited TDI bulletins and legal sources
These links are official sources for the explanation, not an endorsement of Under Paid Claim LLC.
Questions about roof, hail and wind claims
Why did insurance allow a roof repair instead of replacement?
The insurer’s scope may allow work only on the areas it considers damaged. Review the observed conditions, materials, quantities and proposed repair method alongside the policy. Neither a repair allowance nor a request for replacement establishes the right outcome by itself.
What if the insurer says my roof condition is wear and tear?
Keep the written explanation, dated photographs, maintenance records and any inspection findings. An inspection can help document observed conditions and the basis for a scope disagreement. Whether a loss is covered depends on the policy and facts; legal interpretation may require an attorney.
What if matching roofing materials are unavailable?
Keep the product information and the contractor’s explanation of availability and the proposed repair. Material availability, repair feasibility and policy terms need to be examined together. An unavailable product does not automatically establish that the insurer owes for an entire roof.
What if roof and ceiling damage are in different estimates?
Connect each affected area to its photograph, measurement and estimate line. Keep roof, flashing, ceiling, insulation and finish items identifiable. A documented connection helps explain the concern without assuming that every interior condition has the same cause.
What records help if my roof was already tarped or repaired?
Keep photographs from before and during the work, contractor proposals, invoices, product information and dates. Explain what changed and who has the earlier records. Do not postpone necessary protective work solely to wait for our inspection.
What do you document for a roof claim review?
Our scope depends on safe access and the concern. Relevant observations may include roof materials, affected areas, measurements, visible exterior conditions and related interior damage. We compare the available records with the insurer’s estimate. See our hail and wind documentation guide.
Start with a free inspection and claim review
Our initial property inspection and claim review are free. If the records and inspection support the insurer’s payment, we will explain that finding at no cost to you. We do not assume every claim is underpaid.
Request a free claim review or call 956-772-4404. Tell us the property city or ZIP code and the concern. Assistance is available in English and Spanish.
If you retain us, our fee is 10% of new money received, with no fee on payments received before you hire us and no additional expenses. If no new money is received, no fee is due. Representation begins through a written agreement.