TEXAS
Roofing supplement and appraisal clause resources for Texas contractors and homeowners.
APPRAISAL CLAUSE IN TEXAS
Texas insurance policies typically include an appraisal clause that allows either party to demand appraisal when there's a disagreement about the value of a loss. Under Texas law, the appraisal process is binding on the amount of loss but not on coverage issues. Texas courts have consistently upheld the appraisal process as an efficient way to resolve claim disputes without litigation.
Insured's fee — not due until after insurance payment is received
*Roof damage only. Additional fees for other damage types.
HOW ADJUSTERS UNDERPAY IN TEXAS
Insurance adjusters use Xactimate software to create estimates, but they often use tactics that result in underpayment. Here are common issues we see in Texas:
North Texas hail claims are frequently underscoped for full roof replacements
Labor rates in Xactimate often lag behind actual contractor costs in major metros
Fence and outbuilding damage from hail is commonly excluded or undervalued
Overhead and profit (O&P) is often denied even when multiple trades are involved
COMMON STORM TYPES
TEXAS TIPS
- Texas hail season runs March through June - be prepared
- Document hail size with photos next to a ruler or coin for reference
- Request the full Xactimate file, not just the summary
- Texas prompt payment laws require insurers to pay within 5 days of agreement