Storm damage specialists · Richmond, TX
Family and locally owned in Fort Bend County since 2018. We inspect the roof, document the damage properly and deal with your insurance company alongside you. Available 24 hours by call, text or email.
How a hail claim actually moves
Most people call us because a carrier has already said no, or because they have been told the roof is fine and they do not believe it. This is the walk we take with them.
01
Before anything is filed, someone climbs up and looks. Wind and hail damage is rarely obvious from the driveway. Missing or torn shingles, lifted flashing, and damage to soffit and fascia all read differently up close than they do from the ground.
02
The carrier tests a 10 foot by 10 foot square and counts hail bruises inside it. Depending on the insurer, somewhere between five and 15 have to be there. We photograph the field so the evidence is on record before the adjuster arrives, not argued about afterwards.
03
If the first claim comes back denied, we can request a new inspection and put the documentation in front of the carrier again. One Richmond homeowner had an initial claim refused and ended up approved for a full replacement on the second look.
The test square
Every insurance provider sets its own bar for what counts as storm damage. The adjuster marks out a square of your roof, ten feet on each side, and counts the hail bruises inside it. The number they need to find varies from five to 15 depending on the company.
That is the whole test. It is why two houses on the same street get different answers, and why a roof can be genuinely damaged and still fail an inspection that was done quickly or in the wrong spot.
5–15
hail bruises have to be found inside that square before the job qualifies. The exact figure is set by your insurer, not by the roofer.
We photograph the field before the adjuster gets there, so the count is a matter of record. More on how we handle claims.
What we do
Storm and claim work is most of what we do. The concrete and washing came from the same customers asking, and the exterior wash is free when you put a roof on with us.
Storm and hail
We work the storm claim with you from the first inspection through to approval, and we can push for a re-inspection when a carrier says no.
Insurance claims detailsOne claim, start to finish
“I didn't think we needed a roof replacement, however after Mark De La Fuente showed us the pictures of my roof I was surprised. He and his team worked to get us approved by our insurance. Our insurance denied the initial claims request, but Mark and his team help us in repealing and gaining a new inspection that resulted in the insurance company approving the total replacement.”
That is the sequence this business is built around. The first inspection came back denied. The claim was appealed, a second inspection was granted, and the carrier approved a full replacement.
A denial is a decision made on one visit. It can be looked at again.
“Mark did a great job guiding us through the process and their crew completed the work very quickly!”
“Smart Choice Roofers did a good job replacing our roof. Alan and Tim helped us with processing the documents and did a good job scheduling the crew and following up on the work. I recommend Smart Choice Roofers for your roof.”
“Competitively priced and went above and beyond on each job, Mark and Allan are both top notch and easy to talk with.”
“Excellent job. The roof looks beautiful. Most importantly the job was done in timely manner before storms season starts”
Questions
Still not sure whether what you are looking at is worth a claim? Call and describe it. We answer 24 hours a day, in English or Spanish.
Read all the questionsWhere we work
Serving Richmond and Fort Bend County. Storms do not keep office hours, so neither do we. Call, text or email at any time and someone will get back to you.
Get it looked at
The inspection is where every one of these claims starts. If there is nothing wrong with your roof we will say so. If there is, you will have the documentation you need before you speak to your insurer.
Sign a roofing contract with us and the exterior power wash of the house is free.