Firewheel documents your storm damage, files your claim, meets with your adjuster, and advocates for full replacement value — at no extra charge. Most DFW homeowners pay only their deductible.
Make Roofs Great Again.Most Texas homeowner's insurance policies cover roof damage caused by sudden, accidental events — primarily hail, wind, fallen trees, and severe weather. What they don't cover is just as important to know.
The #1 cause of roof claims in DFW. Hail impacts bruise shingles, crack tile, and dent metal — all covered under standard HO-3 policies.
✓ CoveredLifted, missing, or torn shingles from wind events above your policy's wind threshold. Most Texas policies cover wind damage from severe storms.
✓ CoveredStructural damage from fallen trees or wind-blown debris landing on your roof is typically covered regardless of where the tree came from.
✓ Typically CoveredWater damage that enters through storm-created openings (missing shingles, hail holes) is covered. Pre-existing leaks from lack of maintenance are not.
✓ If Storm-RelatedGradual deterioration, curling from UV exposure, or an old roof reaching end of life are not covered. Coverage requires sudden, accidental damage.
✗ Not CoveredDamage that could have been prevented through routine maintenance — like a known leak left unfixed — is often excluded under policy language.
✗ Not CoveredPays the full cost to replace your roof with like materials at current prices — no depreciation deducted. The far better policy type for DFW homeowners. After the claim, you receive an initial ACV payment, then the depreciation holdback once work is complete.
Pays replacement cost minus depreciation based on your roof's age. A 15-year-old roof may only receive 50–60% of its replacement cost. Check your declarations page to confirm which type you have.
Texas law generally requires homeowners to file storm damage claims within 1 year of the storm date under most standard HO-3 policies. Some policies are shorter. Missing this window means forfeiting your coverage — permanently.
If your roof sustained hail or wind damage in the last 12 months — even if you haven't noticed visible damage yet — schedule a free Firewheel storm inspection immediately. We've documented damage from storms that looked fine from the ground but had significant hail impact when inspected up close. The inspection is free. The deadline is real.
Drag the slider — a real Firewheel storm-restoration project. We handled the insurance claim, the tear-off, and the brand-new roof.
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Every step, explained honestly. This is exactly what happens when you call Firewheel after a storm — and what Firewheel handles so you don't have to.
Firewheel's certified inspector gets on your roof and documents every piece of storm damage — hail impacts, granule loss, cracked or lifted shingles, dented ridge caps, flashing damage — with timestamped, geotagged photos that insurance adjusters require for claim approval.
Before you call your insurance company, Firewheel reviews your homeowner's policy declarations page — confirming your coverage type (ACV vs RCV), deductible amount, any exclusions, and what the adjuster will and won't be able to dispute based on your specific policy language.
Once we've documented everything and reviewed your policy, you file the claim with your insurance company — or Firewheel assists you through that call. You'll receive a claim number and an adjuster assignment within a few days.
A Firewheel claims specialist meets your insurance adjuster on-site. This is the most important step. The adjuster writes the Scope of Loss — the document that determines your settlement. Having a knowledgeable contractor on-site ensures nothing is missed, underdocumented, or improperly classified.
Once you receive the insurance company's Estimate of Loss and settlement amount, Firewheel reviews it against our documented scope. We check line items, material specifications, square footage calculations, and labor rates to confirm the settlement reflects the actual cost of proper restoration.
If the initial settlement is insufficient, Firewheel files a supplemental claim with additional documentation, updated material pricing, or re-inspection evidence. Most supplemental claims are resolved in the homeowner's favor. This is standard — not an escalation.
Once the claim is approved and settled, Firewheel schedules and completes the roof replacement. After installation, if you have an RCV policy, we provide the insurance company with proof of completion — triggering the release of the depreciation holdback payment.
Insurance claim handling is included in every storm-related Firewheel project. These services cost you nothing additional — they're part of how we do business.
Timestamped, geotagged photos of all damage to your roof, gutters, fence, HVAC, and soft metals — the complete corroborating evidence package adjusters require.
We review your declarations page to confirm coverage type, deductible, exclusions, and how to maximize your entitlement under your specific policy.
A Firewheel specialist meets your adjuster on the roof, walks every damage point, and ensures the Scope of Loss reflects full replacement value — not a discounted estimate.
We review your Estimate of Loss line-by-line against documented scope and current market pricing before you accept any settlement payment.
If the settlement is short, we file a supplemental claim with documentation. Most resolve in your favor. Standard part of our service — zero extra cost.
After installation, we provide all completion documents required to trigger your RCV depreciation holdback release — the final check you're owed.
Firewheel has worked with every major Texas homeowner's insurance carrier. We know their processes, their documentation requirements, and what each adjuster team looks for.
Firewheel handles all of this — but knowing what's needed helps you understand why thorough documentation matters so much.
Every hail impact, crack, granule loss zone, and lifted shingle photographed with date and location metadata. Adjusters verify photo dates against official storm records.
Dented gutters, AC fins, window screens, and HVAC covers all document that a significant hail event actually occurred. Critical for confirming storm date and severity.
NOAA or local weather service documentation of the storm event — date, hail size, wind speed — for your specific address or neighborhood.
Confirms your coverage type (ACV vs RCV), deductible, and any relevant exclusions. Firewheel reviews this before every adjuster meeting.
Our itemized assessment of all damage and repair/replacement scope — the document we use to advocate for full settlement value at the adjuster meeting.
All storm-damaged property beyond just the roof — fencing, gutters, HVAC, skylights. Bundling into one claim protects you from having to pay multiple deductibles.
Documentation of previous roof condition helps establish that damage is new and storm-related, not pre-existing. Especially important for homes that have had prior repairs.
These errors cost DFW homeowners thousands of dollars every storm season. Firewheel's process exists specifically to prevent every one of them.
The most expensive mistake. Texas's 1-year window closes permanently. Damage that sat undocumented for 13 months is your problem, not your insurer's. File immediately after any storm event — even if you're not sure there's damage. A free inspection costs nothing.
An adjuster with no contractor advocate is an adjuster writing the scope in the insurer's interest, not yours. Homeowners who meet adjusters alone consistently receive 30–50% lower settlements. Firewheel is always present at adjuster meetings.
Insurance companies issue initial settlements based on their adjuster's scope — which often undercounts damage, uses outdated material pricing, or misclassifies damage severity. Review with Firewheel before cashing any check. Once you accept, the door closes on most supplements.
If you repair damage before the adjuster inspects, the insurer can argue the damage didn't exist or was less severe. Emergency tarping is acceptable and recommended. Permanent repairs must wait until after the adjuster documents the original damage.
Some contractors ask homeowners to sign an AOB, which transfers your insurance rights to the contractor. This removes your control over the claim and the settlement. Firewheel never requests an AOB — you retain full control of your claim and your payment.
The same storm that damaged your roof likely damaged your gutters, fencing, HVAC, and more. Report all storm damage in the initial claim. Adding items after the initial settlement is filed is significantly harder and often requires a separate deductible.
A denial or low initial settlement is not the end of the road. It's often the beginning of the real negotiation. Firewheel has reversed denials and secured full replacements on claims that were initially closed.
When documentation supports more damage than the initial settlement covers, Firewheel files a supplemental claim with additional photos, current pricing, and contractor evidence. Most supplement in your favor within 30–60 days.
If we believe the adjuster missed significant damage, we request a re-inspection — this time with Firewheel walking every damage point with the adjuster step by step. Second inspections regularly produce materially different scopes.
Texas law provides homeowners with the right to invoke the appraisal process if you and your insurer can't agree on claim value. An independent umpire resolves the dispute. Firewheel can walk you through this process.
For complex disputed claims, Firewheel can recommend licensed Texas public adjusters who work exclusively for the homeowner. They take a percentage of the settlement but often dramatically increase the final amount on contested claims.
If your insurer acts in bad faith — unreasonable delays, improper denial, failure to communicate — you can file a complaint with the Texas Department of Insurance at tdi.texas.gov. Texas insurers take TDI complaints seriously.
The sooner Firewheel documents your damage, the stronger your claim. Every day that passes is a day the physical evidence of storm damage degrades.
Texas insurance law requires filing within 1 year of the storm date. Weather data shows DFW averages 10+ hail events per year. If a storm hit your neighborhood in the last 12 months — even if you haven't checked your roof — schedule a free inspection today.
After the April hailstorm, two other companies said my roof "wasn't bad enough" for a full replacement. Firewheel documented 47 shingle impacts in one 10×10 area alone, met my State Farm adjuster on the roof, and got a full replacement approved the same day. I paid my $2,500 deductible. That's it. The documentation made all the difference.
My Allstate adjuster initially approved $4,200 for "repairs." Firewheel reviewed the Scope of Loss, found they'd used outdated material pricing and missed two complete sections of my roof, filed a supplemental claim, and got the settlement increased to $18,400 — full replacement. I had no idea that was even possible. Firewheel knew exactly what to do.
We had wind damage from the March storm but my insurance company's adjuster said it didn't meet the threshold for a claim. Firewheel requested a re-inspection with their own specialist, documented the fascia damage and two sections of lifted shingles the first adjuster completely missed, and got a full repair settlement approved. Don't give up when you get that first denial.
Every question answered honestly. We pick up the phone — every time.
Free storm inspection. Full documentation. On-site adjuster advocacy. Supplemental claims filed if needed. Most DFW homeowners pay only their deductible. Don't wait on the 1-year Texas deadline.
Make Roofs Great Again.