Roof Insurance Claim Support in San Antonio, TX
Veteran-Owned Roofing Contractor • Free Roof Inspections • Photo Documentation • Storm Damage Repairs
If your roof was damaged by hail, wind, falling debris, or a recent storm, Sanders & Co Contracting Group can inspect the damage, document what we find, and provide a clear estimate for the necessary repairs.
We help homeowners understand the roofing portion of the insurance claim process while working directly for you—not the insurance company.
No-obligation roofing inspections
Clear photo documentation
Insurance-related estimates available
ROOFING HELP AFTER HAIL AND WIND DAMAGE
Storm damage is not always obvious from the ground. Missing shingles, lifted roofing materials, damaged flashing, exposed underlayment, punctures, and hail impacts can allow water into your home even when there is no immediate leak.
Our inspection process is designed to identify visible roofing damage and give you the information needed to decide what to do next.
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Hail damage inspections
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Wind damage inspections
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Missing or lifted shingles
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Roof leaks after a storm
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Damaged flashing and roof vents
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Fallen tree or debris damage
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Emergency roof tarping
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Roof repair and replacement estimates
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Photos and documentation of visible damage
HOW THE ROOF INSURANCE CLAIM PROCESS WORKS
1
Schedule a Roof Inspection
We inspect the roof and surrounding exterior areas for visible signs of storm damage, deterioration, and possible water entry points.
2
Review the Findings
We explain what we found, provide photos when available, and discuss whether the roof appears to need repairs, replacement, or continued monitoring.
3
Contact Your Insurance Company
As the property owner, you decide whether to file an insurance claim. Your insurance company may assign an adjuster to inspect the property and determine whether the damage is covered under your policy.
4
Receive the Insurance Estimate
The insurance company may provide a written estimate or scope of work explaining the repairs it believes are covered.
5
Compare the Scope With the Actual Work Needed
We can review the roofing scope and prepare our own estimate based on the work required to properly repair or replace the roofing system.
6
Complete the Approved Roofing Work
Once the project details, pricing, materials, and payment responsibilities are understood, we schedule the roofing work and complete the project according to the signed agreement.
WE WORK FOR THE PROPERTY OWNER
Sanders & Co Contracting Group is a roofing contractor. We do not act as a public adjuster, interpret insurance coverage, negotiate claims on behalf of property owners, or make coverage decisions.
Your insurance company determines what is covered under your policy. Our role is to inspect the roofing system, document visible damage, prepare repair or replacement estimates, and complete the contracted roofing work.
This allows you to receive professional roofing information while maintaining direct control over your insurance claim.
WHAT TO EXPECT DURING YOUR ROOF INSPECTION
During the inspection, we may evaluate:
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Shingles or roofing materials
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Roof penetrations and vents
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Flashing around walls and chimneys
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Valleys and drainage areas
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Gutters and downspouts
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Fascia and exterior trim
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Visible signs of water intrusion
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Interior ceilings or attic areas when appropriate
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Damage from hail, wind, debris, or fallen limbs
After the inspection, we explain the visible condition of the roof and recommend the appropriate next step.
INSURANCE ESTIMATE LOWER THAN THE CONTRACTOR ESTIMATE?
Insurance estimates and contractor estimates do not always match.
Differences can happen because of:
Missing roofing components
Building code requirements
Damaged decking found after removal
Steep roof charges
Debris removal or disposal requirements
Updated material prices
Additional layers discovered during tear-off
Required flashing or ventilation work
Multiple-story access
Items not visible during the initial inspection
When additional roofing work is necessary, we can provide photos, measurements, invoices, and written documentation for you to submit to your insurance company.
The insurance carrier makes the final decision regarding coverage and payment.
DO NOT DELAY STORM DAMAGE REPAIRS
Waiting too long after a storm can allow small roofing problems to become larger issues.
Delayed repairs may lead to:
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Interior water damage
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Damaged insulation
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Mold or moisture problems
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Ceiling and drywall damage
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Rotted roof decking
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More expensive repairs
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Additional damage that may not be related to the original storm
Insurance policies may also contain requirements related to reporting damage and preventing additional loss. Review your policy or contact your insurance representative if you have questions about deadlines or coverage.
BEFORE YOU FILE A ROOF INSURANCE CLAIM
Not every roofing problem should automatically become an insurance claim.
Before filing, consider:
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The age and condition of the roof
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The cause of the damage
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The estimated repair cost
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Your insurance deductible
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Whether the damage appears storm-related
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Whether the roof has previous damage or normal wear
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Your policy coverage and exclusions
A professional roof inspection can help you better understand the condition of the roof before you decide whether to contact your insurance company.
WHY HOMEOWNERS CHOOSE SANDERS & CO CONTRACTING GROUP
Veteran-Owned and Operated
We bring accountability, clear communication, and a service-first approach to every roofing project.
Clear Photo Documentation
When visible damage is found, we document the roofing condition so you can better understand what is happening with your property.
Detailed Roofing Estimates
Same-day or next-day inspections available depending on weather and demand
Honest Recommendations
We explain whether the roof appears to need a repair, replacement, or no immediate work.
Local San Antonio Service
We serve homeowners throughout San Antonio and surrounding communities.
Full-Service Restoration Capabilities
When a storm damages more than the roof, we may also be able to assist with related exterior and interior repairs.
STORM DAMAGE SERVICES
Our storm-related roofing services include:
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Roof inspections
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Emergency roof tarping
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Roof leak repair
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Hail damage repair
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Wind damage repair
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Missing shingle replacement
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Flashing repair
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Roof replacement
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Gutter and exterior damage inspections
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Interior damage evaluations
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Written roofing estimates
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Photo documentation
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Insurance-related repair documentation
FREQUENTLY ASKED QUESTIONS
Should I call a roofer or my insurance company first?
You may contact either one first. Many homeowners choose to have the roof inspected before filing a claim so they can better understand whether visible storm damage is present.
Can you meet with my insurance adjuster?
When scheduling allows, we may be present during the adjuster’s inspection to identify roofing components and discuss our observations. We do not make coverage decisions or negotiate the insurance claim.
Will insurance pay for a full roof replacement?
That depends on the cause and extent of damage, the condition of the roof, your policy, and the insurance company’s coverage decision.
Do you guarantee my claim will be approved?
No contractor can guarantee that an insurance company will approve a claim. Coverage decisions are made by the insurance carrier.
Can you waive my deductible?
No. Property owners are generally responsible for paying the deductible required by their insurance policy and applicable law.
What happens if hidden damage is found during the project?
We document the newly discovered conditions and explain any required additional work. When appropriate, that information may be submitted to the insurance company for review.
Can you repair interior damage from a roof leak?
Depending on the project, we may be able to assist with drywall, painting, ceiling repairs, insulation, and other related restoration work.
Do I have to hire the contractor recommended by my insurance company?
Property owners can generally choose their own contractor. Review your policy and speak with your insurance representative about any policy-specific requirements.
SCHEDULE A ROOF INSURANCE INSPECTION
Storm damage can worsen when it is left exposed.
Sanders & Co Contracting Group provides professional roofing inspections, honest recommendations, clear documentation, and reliable storm damage repairs throughout San Antonio.
Veteran-owned • Fully insured • Serving San Antonio and surrounding communities