Houston roofer specializing in Allstate roof claims. Drone documentation, adjuster meetings, supplement filing, depreciation recovery. Free claim representation included with your project.
or call (832) 803-0984
Allstate is the second-largest residential insurer in Texas. The carrier mixes staff adjusters and independent adjuster networks; experience varies by claim and adjuster.
Our experience with Houston Allstate claims:
Same-day or next-morning tarping if you have an active leak. Stabilizes damage; insurance often reimburses tarp cost as mitigation.
Drone imagery before any repair. We document with high-resolution overhead photos that make it harder for adjusters to dispute damage.
You file the claim with your carrier directly. We provide drone imagery, written observations, and walk you through what to mention.
We meet your adjuster on the roof together. Walk the damage. Compare against our parallel scope. Resolve disputes on-site.
Carrier issues initial scope. We compare line-by-line against parallel scope. Identify gaps and code-required items.
Most claims need at least one supplement. We submit with photographic evidence and code citations. 1-2 week typical approval.
2-3 days on site for typical asphalt roof. Daily updates. Photos at completion.
We file recoverable depreciation paperwork after work completes. 2-4 week typical recovery.
Hurricane wind-vs-water dispute. Anti-concurrent causation language in some Allstate policies excludes losses where wind and flood both contributed. Documentation of damage sequence (when wind opened the roof, when water entered) matters.
Hail damage initial denial. Some Allstate adjusters initially deny hail claims citing cosmetic damage or wear-and-tear. Reversal possible with drone documentation showing impact patterns and granule loss locations.
Class 4 upgrade supplement. Most Allstate policies allow Class 4 upgrade as part of replacement when supported by code. Worth requesting; typically minimal homeowner contribution.
Hurricane deductible application. Some Allstate policies have separate hurricane deductibles for named storms (different from standard wind/hail). Verify which applies to your event.
Allstate uses both staff adjusters and independent adjuster networks. Adjuster timing varies; some claims see adjusters in 5-7 days, others 2-3 weeks. Initial scopes often detailed; supplements approve when properly documented.
Most Allstate Texas policies have wind/hail deductibles of 1-5% of dwelling coverage. Some policies use a separate hurricane deductible for named storms. Read your declarations page carefully.
Most modern Allstate policies are RCV with recoverable depreciation. Some older policies are ACV. Check the dwelling coverage type on your declarations page.
4-12 weeks typical from claim to depreciation recovery. Major storm cycles (Beryl 2024) extended timelines for many carriers including Allstate.
Allstate has a contractor referral program. You’re never required to use a specific contractor — you choose your own roofer regardless of who Allstate recommends. We work Allstate claims regularly without being on any preferred list.
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