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Insurance Claims

Claim denied? You still have options.

A first letter that reads like a denial — or comes back under your deductible — often isn't the end of the road. Here's how to read it, and where the real claim work begins.

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  • 10-Year · Workmanship warranty
  • Family-Owned · Houston since 2023

Why a first letter can look like a denial

The first letter from the insurance company often looks like a denial, or comes back "under your deductible." Most homeowners read that and quit — and that's the mistake.

If the insurer has acknowledged storm damage at all, the claim is very much alive. Insurance is naturally conservative; the first number is rarely the real number.

What we do next

If there's legitimate storm damage on the record, our job is to document it thoroughly so the full, fair scope of repair or replacement is clear. A denial or a low first number isn't where the conversation ends — it's often where the real claim work begins.

Top-down drone view of a completed shingle roof replacement in Bellaire, TX
A Bellaire replacement from directly overhead — valleys, penetrations, and field all new.

We can't promise an outcome — coverage decisions are the insurer's. What we do is make sure the legitimate damage is fully documented and your claim gets a fair, complete look.

Questions, answered

Common questions

The insurance company sent a denial. Is it over?

Often, no. A first letter that reads like a denial — or comes in under your deductible — is frequently just the opening position, especially if storm damage has been acknowledged. That's typically where the real claim work begins, and where we step in.

Free, no-pressure

Get your damage documented — free

Before you file, after a denial, or mid-claim — we document the damage properly and stand with you through it. You get photos of every problem area, written findings in plain English, and a repair estimate if a repair is the honest answer. Emailed to you and left with you in print — yours to keep, whether you hire us or not.

  • Photos of every problem area on your roof
  • Written findings, in plain English
  • A repair estimate, if a repair is the honest answer

If it's storm damage, we handle the insurance claim with you. Financing available.

Roof leaking? We answer 24/7 — call any hour. Or email Aldo@handyhandsroofing.com

Get your free roof report

Name and phone is all we need — we'll call you back. No obligation.

Prefer to talk? Call (346) 276-6492.

GAF Certified · 10-Year Workmanship Warranty · Insurance restoration specialists

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