If a storm has damaged your gutters and you're filing a homeowners insurance claim, having clear documentation makes the process smoother. We provide:
A full written estimate itemizing damaged sections, materials, and labor
Dated photo documentation of each damaged area
A plain-language description of storm-caused damage versus normal wear
Availability to walk the property with your adjuster if that's helpful
What Texas law says about deductibles
Texas law prohibits contractors from advertising, offering, or paying to waive, rebate, or absorb your insurance deductible — a practice sometimes marketed as a "free roof" or "we'll cover your deductible." We don't do that, and the Texas Department of Insurance publishes consumer guidance explaining why that kind of offer is against state law and can also affect your own liability under your policy. If a contractor offers to waive your deductible, that's a red flag worth checking against TDI's guidance.
This page is general information, not legal or insurance advice. Coverage and claim requirements depend on your specific policy — talk with your insurance company, a licensed adjuster, or an attorney about your individual claim.
A typical claim timeline
A storm passes through and causes gutter damage.
You request a free assessment from us, before or shortly after filing your claim.
We document the damage and put together a detailed written estimate.
You file the claim with your insurance company.
An adjuster inspects the damage — we're available to meet them on site if that's useful.
Your insurer determines the approved scope of repair or replacement.
We schedule and complete the work once you're ready to proceed.
What's often covered versus not
Every policy is different, but as a general pattern: sudden storm, wind, or hail damage is commonly covered under standard homeowners policies, while gradual wear, pre-existing rust, or age-related failure typically is not. This is a general pattern only — the specific language in your policy controls what's actually covered, so review it or ask your insurer directly.
Need documentation for a claim?
Get a free damage assessment and a detailed written estimate to support your claim.
No. Texas law prohibits contractors from advertising or offering to waive, rebate, or pay your deductible, and we don't do it. See the Texas Department of Insurance's consumer guidance for more on why that practice is illegal.
We can provide documentation and, if helpful, meet the adjuster on site to point out the damage directly. We aren't a substitute for your insurance company or a public adjuster.
Yes, an itemized written estimate covering the damaged sections, materials, and labor is part of what we provide.
We prioritize storm-related requests, especially in the days right after a major system. Call us for a current timeframe.
Storm and wind damage is commonly covered under standard policies, but coverage depends on your specific policy language — this isn't something we can confirm on your behalf. Check with your insurer.
No, you can request a free assessment before you've even filed a claim. Many homeowners get documentation first, then decide whether filing makes sense.
Ours documents what we find and what repair or replacement would cost. The adjuster's estimate reflects what your insurer has determined is covered. The two sometimes differ, which is normal and can be part of the claims discussion with your insurer.
Generally no — most policies distinguish storm-caused damage from pre-existing wear, and misrepresenting that distinction isn't something we'd do or recommend. We document what the storm actually caused.
