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Roof Claim Denied or Approved for “Repair Only”?

A denial or a small check isn’t always the final word. Texas gives you several ways to push back.

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Updated November 14, 2026 · AdEx – Home Solutions, Dallas–Fort Worth

Short answer

Ask for the reasons in writing (Texas insurers must explain a rejection), then compare the adjuster’s estimate with a contractor’s, line by line, and ask for a reinspection if something was missed. If you disagree only about the amount, your policy’s appraisal clause lets either side demand appraisal, and you can file a complaint with the Texas Department of Insurance at 800-252-3439.

Start with the paperwork

  • Get the denial or the approval in writing, with the policy language the company relied on.
  • Get the adjuster’s full estimate, not just the total.
  • Put it next to a contractor’s estimate and mark every difference: number of squares, slopes included, flashing, vents, gutters, decking.

Common reasons, and what they mean

Reason givenWhat to check
Wear and tear, not storm damagePhotos of fresh hail bruising and dented soft metals from the storm date
Damage below the deductibleWhether all damaged areas (gutters, vents, screens, siding) made it into the estimate
Repair onlyHow many slopes are damaged, and whether matching shingles are still made
Cosmetic damage (metal roofs)Your policy’s cosmetic-damage exclusion and whether water can get through

Your options in Texas

  1. Ask for a reinspection with your new photos and estimate.
  2. Appraisal. If the disagreement is about the amount, either you or the company can demand appraisal under the policy.
  3. TDI complaint. TDI’s help line is 800-252-3439, and complaints can be filed online.
  4. Professional help. A public adjuster or an attorney can negotiate for you. For hail and other weather claims, Texas Insurance Code Chapter 542A requires written notice at least 61 days before a lawsuit.

A roofing contractor can’t negotiate the claim for you; that’s Texas law. We can reinspect, re-photograph and update the estimate you send in.

Common questions

Does the insurance company have to tell me why it denied my claim?

Yes. If a Texas insurer rejects a claim, it must tell you the reason in writing.

What is appraisal?

A process in most homeowners policies for settling disagreements about the amount of a loss. You or your insurer can demand it.

Can my roofer argue with the insurance company for me?

No. Texas law doesn’t allow a roofing contractor to act as a public adjuster. You, a public adjuster or an attorney can negotiate.

Sources

This guide is general information for Texas homeowners, not legal or insurance advice. Your policy, your city and your house decide the details.

Related guides

How to File a Hail Damage Roof Claim in TexasSteps, photos, the adjuster visit and the insurer’s deadlines. Does Homeowners Insurance Cover a New Roof in Texas?Storm damage vs. wear, replacement cost vs. actual cash value. Roof Repair or Replace? How to DecideA side-by-side guide to the decision, with city permit rules. Texas Wind and Hail Deductibles, ExplainedWhat 1% or 2% really costs, and why a roofer can’t pay it for you. Roof Replacement in Dallas–Fort WorthWhat our roof replacements include, with job photos.
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