Expert Storm Damage Restoration in Central Texas
Serving Round Rock, Austin, Georgetown, and surrounding areas with premium roofing solutions.
Professional Storm Damage Restoration Services
Central Texas storms bring hail, high winds, fallen trees, and flying debris that can devastate your roof. Storm damage restoration requires specialized expertise—identifying hidden damage that untrained eyes miss, documenting everything for insurance claims, working with adjusters to maximize coverage, and executing repairs to full manufacturer warranty standards. We respond within 2 hours for emergency tarping and immediate protection, conduct comprehensive damage assessments using drones and thermal imaging, handle all insurance paperwork and adjuster meetings, and restore your roof to better-than-before condition. We serve Round Rock, Austin, Georgetown, and all Central Texas. Our storm specialists have documented over 2,000 insurance claims and recovered millions in rightful coverage for homeowners. Most insurance claims cover 100% of roof replacement minus deductible—we ensure you get what you deserve.
At Ripple Roofing & Construction, we understand the unique challenges that Central Texas weather presents to your roof. From intense summer heat to severe storms, our storm damage restoration services are designed to protect your property year-round.
Our Process
Emergency Response & Immediate Protection
We respond within 2 hours for emergency situations. Our crew performs emergency tarping to prevent interior water damage, documents all damage with photos and video, secures loose materials, identifies safety hazards, and provides immediate stability. Available 24/7 for storm emergencies.
Comprehensive Damage Assessment
We conduct a thorough inspection using drones for aerial documentation, thermal imaging to detect hidden moisture, measure hail impacts and wind damage, check for structural issues, inspect gutters and flashing, document every detail for insurance, and create a complete scope of work with pricing.
Insurance Claims Management
We handle the entire insurance process—file your claim, schedule adjuster meeting, meet adjuster on-site and advocate for full coverage, document all damage with professional reports, fight for proper scope if needed (supplements), negotiate fair settlements, and ensure you maximize your coverage. We work with all insurance companies.
Complete Restoration Work
Once your claim is approved, we execute full restoration—remove damaged roofing materials, replace damaged decking and structure if needed, install new underlayment and ice/water shield, install new shingles to manufacturer specs, replace damaged gutters and flashing, upgrade ventilation if needed (often covered), and restore roof to better-than-before condition.
Final Inspection & Warranty Protection
We conduct final quality inspection, ensure all work meets manufacturer warranty requirements, provide complete documentation for your records and insurance, verify proper ventilation and installation, clean up all debris with magnet sweep, and activate your 50-year shingle warranty + our 10-year workmanship warranty. Your roof is now fully protected!
Why Choose Us for Storm Damage Restoration
Types of Storm Damage We Restore in Central Texas
Central Texas experiences severe weather including hailstorms, straight-line winds, tornadoes, and fallen trees. Our storm damage experts identify ALL damage—not just what's visible from the ground—to ensure you get maximum insurance coverage and complete restoration.
🧊 Hail Damage (Most Common)
Central Texas experiences major hail events every 2-3 years. Hail sizes range from quarter-sized (cosmetic damage) to baseball-sized (catastrophic damage requiring immediate replacement).
What We Look For:
- Circular or oval impact marks on shingles (bruising)
- Loss of granules exposing black asphalt layer
- Cracked or punctured shingles (larger hail)
- Damage to roof vents, flashing, gutters, AC units
- Dented or damaged metal components
- Damage patterns consistent with hail trajectory
Insurance Tip: Most insurance covers hail replacement if damage exceeds cosmetic thresholds (varies by policy). We document everything to maximize your claim.
💨 Wind Damage (Very Common)
Straight-line winds, microbursts, and tornadoes cause significant roofing damage. Wind speeds exceeding 50-60 mph can lift shingles, expose underlayment, and allow water intrusion.
What We Look For:
- Missing shingles (blown off completely)
- Lifted or creased shingles (wind got underneath)
- Torn or damaged underlayment
- Lifted or missing flashing around chimneys, vents
- Damage to soffit, fascia, or siding
- Directional patterns showing wind path
Insurance Tip: Wind damage is covered by most policies. Document with photos showing wind direction and damage patterns. We provide comprehensive reports.
🌳 Fallen Trees & Debris
Tree limbs, entire trees, or flying debris can puncture roofs, crack decking, and cause immediate water intrusion requiring emergency response.
What We Look For:
- Punctures or holes in roof surface
- Structural damage to decking, trusses, rafters
- Broken or displaced shingles around impact
- Hidden damage beyond visible impact zone
- Water intrusion and interior damage
- Compromised roof integrity
Insurance Tip: Tree damage is covered if tree fell due to weather (wind, lightning). Not covered if tree was dead/unhealthy and fell on its own. We document causation.
⚡ Combined Storm Events
Many Central Texas storms bring multiple types of damage—hail + wind, falling debris + water intrusion. Comprehensive assessment is critical.
What We Look For:
- Multiple damage types compounding issues
- Hidden damage not visible from ground
- Secondary damage from water intrusion
- Compromised thermal/moisture barriers
- Structural issues beyond surface damage
- Long-term integrity concerns
Insurance Tip: Multiple damage types = stronger claim. We document everything with drone footage, thermal imaging, and detailed reports to maximize your coverage.
Our Insurance Claims Management Process
Navigating insurance claims can be confusing and frustrating. We've managed over 2,000 storm damage claims and recovered millions in rightful coverage for Central Texas homeowners. We handle everything so you don't have to fight your insurance company alone.
Free Damage Assessment & Documentation
We conduct a comprehensive roof inspection using drones for aerial documentation and thermal imaging to detect hidden moisture. We document every hail impact, missing shingle, wind damage, and structural issue with professional photos and detailed measurements. You receive a complete damage report with our expert opinion on repairability.
What You Get: Professional inspection report • High-resolution photos and video • Drone aerial footage • Thermal imaging results • Detailed scope of work • Preliminary cost estimate
File Your Claim & Schedule Adjuster
We help you file your claim with your insurance company using proper terminology and documentation to maximize approval chances. We schedule the adjuster meeting and coordinate timing. You don't navigate confusing insurance processes alone—we guide you through every step and explain what to expect.
Critical Timing: Most policies require claims within 1 year of storm date. File ASAP after storm events. We track storm dates and help meet deadlines.
Meet Adjuster On-Site & Advocate for You
This is THE MOST IMPORTANT STEP. We meet the insurance adjuster on your roof and walk through ALL damage with them. Adjusters often miss damage or try to minimize scope to save their company money. We ensure nothing is overlooked. We point out every impact, every damaged area, and advocate for full replacement if warranted. You should ALWAYS have a roofing professional present during adjuster inspections.
⚠ Warning: Never meet adjuster alone! Homeowners miss 60-70% of damage that professionals catch. Insurance companies know this and count on it to underpay claims.
Review Settlement & Fight for Fair Coverage
Once the adjuster sends their estimate, we review it line-by-line against actual damage. If they underpaid, missed damage, or used incorrect pricing, we file a supplement (additional claim request) with detailed documentation showing what they missed. We negotiate on your behalf until you receive fair settlement. We've successfully supplemented thousands of claims for proper coverage.
Common Underpayments We Catch: Missed square footage • Inadequate decking allowance • Missing code upgrades • Underpriced materials • Missing components (vents, flashing, etc.)
Complete Restoration & Final Payment
Once your claim is approved and you've received settlement (minus deductible), we schedule your restoration. We complete all work to manufacturer warranty standards, handle final inspections, and collect final insurance payment (recoverable depreciation) after work is verified. You pay only your deductible—insurance covers the rest.
✓ You're Protected: 50-year manufacturer shingle warranty • Our 10-year workmanship warranty • Full code compliance • Professional installation • Complete peace of mind
💰 What Does Insurance Typically Cover?
✓ Usually Covered:
- Hail damage (bruising, granule loss)
- Wind damage (missing/lifted shingles)
- Tree damage from weather events
- Full roof replacement if warranted
- Damaged underlayment and decking
- Damaged gutters, vents, flashing
- Code compliance upgrades (if required)
- Permits and disposal fees
✗ Usually NOT Covered:
- Wear and tear from aging
- Poor maintenance or neglect
- Cosmetic damage (if policy excludes)
- Pre-existing damage before storm
- Upgrades beyond like-for-like
- Secondary water damage (separate claim)
- Your deductible amount
Note: Coverage varies by policy. We review your specific policy and explain what's covered vs. what's out-of-pocket.
Storm Damage Restoration Timeline
From emergency tarping to final restoration, here's what to expect during the storm damage restoration process. Timelines vary based on claim complexity and insurance responsiveness.
hours
🚨 Emergency Response (If Needed)
If you have active leaks, exposed roof, or immediate dangers, we respond within 2 hours. Emergency tarping prevents interior water damage and secures your home. Available 24/7 for true emergencies. Most tarping completed in 2-4 hours.
days
🔍 Damage Assessment & Documentation
We schedule your free inspection (usually within 24-48 hours of your call). Comprehensive assessment takes 1-2 hours including drone footage and thermal imaging. You receive detailed report within 24 hours with photos, measurements, and damage documentation.
week
📋 File Claim & Schedule Adjuster
You call your insurance company to file the claim (we guide you on what to say). Insurance schedules adjuster within 3-7 days typically. We coordinate to meet adjuster on-site. Adjuster inspection takes 30-60 minutes with us present pointing out all damage.
weeks
⚖️ Settlement Review & Negotiation
Insurance sends initial settlement estimate (usually 7-14 days after inspection). We review for underpayments and file supplements if needed. Negotiation can take 1-3 weeks depending on complexity. Once agreed, you receive settlement check (minus deductible).
days
🛠️ Complete Restoration Work
Once claim approved and you've signed contract, we schedule your restoration (usually 1-3 weeks out depending on season). Most roof restorations completed in 1 day for asphalt shingles. Larger or complex roofs take 2-3 days. Metal roofing takes 3-7 days.
step
✅ Inspection & Final Payment
We conduct final quality inspection and cleanup. You verify work completion. We submit completion documentation to insurance for final payment (recoverable depreciation). Insurance sends final check typically within 1-2 weeks. Your roof is now fully restored with full warranty protection!
⏱️ Total Timeline: Emergency response to complete restoration typically takes 4-8 weeks depending on insurance responsiveness, claim complexity, and scheduling. We prioritize emergency situations and expedite whenever possible.
Storm Damage Restoration Pricing & What You Pay
Most storm damage restoration projects are covered by homeowners insurance (minus your deductible). Here's what to expect for costs and out-of-pocket expenses:
💵 Your Out-of-Pocket Cost (With Insurance)
If your claim is approved, you typically pay ONLY YOUR DEDUCTIBLE. Insurance covers the rest of restoration costs.
Typical Deductible Amounts:
• $2,500-$5,000 (most common flat deductibles)
• 1% of dwelling coverage (percentage deductibles)
• 2% of dwelling coverage (high-wind deductibles)
Example: $300k dwelling with 1% deductible = $3,000 out-of-pocket
✓ What Insurance Covers:
• Full roof replacement (if approved)
• Materials and labor
• Damaged decking/structure
• Gutters, vents, flashing
• Code compliance upgrades
• Permits and disposal
Upgrade Opportunities: You can upgrade materials during restoration and pay the difference between insurance-covered "like-for-like" and your desired upgrade.
Common Upgrade Costs (Your Additional Cost):
• Standard → Impact-Resistant Shingles: +$3,000-$5,000
• Standard → Architectural Premium: +$2,000-$4,000
• Shingles → Metal Roofing: +$10,000-$20,000
• Add Gutter Guards: +$1,500-$3,000
• Enhanced Ventilation: +$800-$1,500
Note: Insurance covers base cost; you pay difference for upgrades
⚠ Additional Out-of-Pocket (Rare):
• Damage insurance deems pre-existing
• Wear/tear repairs not covered
• Cosmetic-only damage (if excluded)
• Decking beyond insurance allowance
🏠 Full Restoration Cost (If Paying Cash / No Insurance)
If you choose not to file insurance claim or if damage isn't covered, here are typical cash costs for complete storm damage restoration:
*Prices include complete restoration: tear-off, disposal, materials, labor, permits, cleanup. Actual cost depends on home size, roof complexity, extent of damage, and material choice.
💡 Smart Money Tips for Storm Damage
• Always file insurance claim first — even if you're unsure damage is covered
• Don't pay contractors upfront — you pay deductible only after work approved/completed
• Upgrade to impact-resistant — earn 10-35% annual insurance discounts
• Document everything — photos, videos, dates help maximize claim value
• Have professional at adjuster meeting — catches 60-70% more damage than homeowners alone
• Get multiple opinions — but choose experienced storm restoration specialists
• Review your policy annually — ensure adequate coverage and understand deductibles
• Ask about code upgrade coverage — some policies cover required improvements
Serving Central Texas Communities
We proudly provide storm damage restoration services throughout the Central Texas region, including:
Click any city to learn more about our storm damage restoration services in that area, including neighborhood-specific information and local project examples.
Frequently Asked Questions
How do I know if I have storm damage?
Schedule a free professional inspection—storm damage isn't always visible from the ground. Obvious signs: missing/lifted shingles, holes/punctures, dented gutters/vents, visible granule loss. Hidden signs professionals find: Hail bruising (circular impacts), cracked shingles from wind stress, compromised seals, damaged flashing, hidden moisture intrusion detected by thermal imaging. After any major storm (hail 1"+ diameter, winds 50+ mph, fallen trees), schedule inspection within 1-2 weeks. We provide free drone and thermal imaging assessment. Don't wait—most insurance requires claims within 1 year of storm date.
Will insurance cover my storm damage restoration?
Most likely YES if damage is storm-related and you file within policy timeframe (typically 1 year). Insurance typically covers: hail damage, wind damage (missing/lifted shingles), fallen tree damage from weather events, full roof replacement if damage is extensive, and damaged gutters/vents/flashing. You pay your deductible ($2,500-$5,000 typical or 1-2% of dwelling coverage); insurance covers the rest. Not covered: Wear and tear, pre-existing damage, cosmetic-only damage (if policy excludes), neglect/poor maintenance. We provide free assessment, document all damage, meet with adjusters, and fight for maximum coverage. We've recovered millions in rightful claims for Round Rock, Austin, and Georgetown homeowners.
How long does the storm damage claims process take?
Typical timeline: 4-8 weeks from initial inspection to complete restoration. Breakdown: (1) Damage assessment: 1-3 days to schedule and complete inspection. (2) File claim: Same day you call insurance. (3) Adjuster meeting: 5-10 days after filing—we attend with you. (4) Settlement review: 7-14 days for initial estimate; 1-3 weeks if supplements needed. (5) Restoration work: 1-3 weeks to schedule; 1-3 days actual work for most roofs. Emergency situations get priority—we can tarp immediately (2-hour response) to prevent interior damage while claim processes. Weather and insurance responsiveness affect timeline. We expedite whenever possible.
How much will storm damage restoration cost me?
With approved insurance claim: ONLY YOUR DEDUCTIBLE (typically $2,500-$5,000). Insurance covers everything else—materials, labor, permits, disposal, damaged decking, gutters, vents, flashing, and code compliance upgrades. Example: $18,000 roof replacement with $3,000 deductible = you pay $3,000; insurance pays $15,000. Upgrade opportunities: Want impact-resistant shingles or better materials? Pay the difference between insurance-covered base and your upgrade (+$3k-$5k typical). Without insurance: Full restoration $10,500-$42,000 depending on damage extent and materials chosen. Emergency tarping: $500-$1,500 if needed immediately. We provide detailed estimates and work with all insurance companies to maximize your coverage.
Should I meet the insurance adjuster alone or have you there?
ALWAYS HAVE US THERE—this is absolutely critical! Homeowners miss 60-70% of damage that professional roofers identify. Insurance adjusters work for the insurance company (not you) and have incentive to minimize payouts. With us present: We point out ALL damage including hidden issues, document with professional expertise, advocate for full replacement if warranted, ensure proper scope and pricing, catch underpayments before they happen, and protect your interests. Without us: Adjusters often overlook damage, minimize scope to "repairs only," use inadequate pricing, or deny claims for "cosmetic damage." Meeting adjuster alone is the #1 mistake homeowners make. We attend at no charge and significantly increase claim approvals and payouts.
What if my insurance company denies my claim?
Don't give up—many denials can be overturned with proper documentation. Common denial reasons: "cosmetic damage only," "pre-existing damage," "wear and tear," "not enough impacts," or "damage doesn't match storm date." Our approach: (1) Review denial letter and policy language. (2) Provide additional documentation (drone footage, thermal imaging, detailed reports). (3) Request re-inspection with different adjuster. (4) File supplement with comprehensive evidence. (5) Escalate to claims manager if needed. (6) Recommend public adjuster or attorney for complex disputes (we have referrals). We've successfully overturned hundreds of denials with proper documentation and persistence. Don't accept initial denial as final answer.
Can I upgrade my roof materials during storm restoration?
Yes! Storm damage restoration is the perfect opportunity for upgrades. Insurance covers "like-for-like" replacement (same material type and quality as damaged roof). Common upgrades and your additional cost: Standard → Impact-resistant shingles (+$3,000-$5,000)—earns 10-35% annual insurance discounts, pays for itself in 7-12 years. Standard → Architectural premium (+$2,000-$4,000)—better appearance and durability. Shingles → Metal roofing (+$10,000-$20,000)—lasts 50+ years vs 25 years. Add gutter guards (+$1,500-$3,000)—reduces maintenance. Enhanced ventilation (+$800-$1,500)—improves efficiency and shingle lifespan. You pay the price difference; insurance covers base cost. Smart investment—upgrading while you're already replacing is more cost-effective than doing separately later.
Do you offer emergency storm damage services?
Yes—24/7 emergency response for storm damage. Call (512) 763-5277 anytime after severe weather. Emergency services: Emergency tarping (2-hour response typical) to prevent interior water damage ($500-$1,500 depending on size), temporary leak repairs, immediate damage assessment, tree/debris removal coordination, and emergency board-up if needed. After major storms affecting Round Rock, Austin, Georgetown, and Central Texas, we prioritize active emergencies (water intrusion, exposed roof) then schedule non-emergency inspections within 1-3 days. Don't wait if you have active damage—water intrusion causes exponential damage every hour. Emergency tarping often covered by insurance as part of restoration claim.
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Storm Damage Insurance Guide
Navigate insurance claims with confidence. Complete first 24-hour action plan, documentation requirements, and negotiation strategies.
- First 24-hour action plan after storm
- Complete claims process walkthrough
- Documentation checklist with examples
- How to avoid storm chaser scams
No credit card required • Instant PDF download • No spam
Why This Matters
Filing a storm damage claim? This guide walks you through every step of the insurance process.
What You'll Learn:
- ✓Step-by-step instructions
- ✓Expert tips from professionals
- ✓Texas-specific recommendations
- ✓Cost-saving strategies
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