If the March 7th storm damaged your roof in Rio Grande City, your homeowners insurance policy may cover the cost of repairs or replacement. The first step is knowing what you are actually dealing with before you make any calls.

At McAllen Valley Roofing Co., we handle storm damage inspections and roof repairs throughout Rio Grande City every day. Here is how the process works when you contact us.

Step 1: Get Your Roof Inspected First

Before anything else, you need to know the full extent of the damage. Hail damage often shows up as small impact marks or granule loss that is invisible from the ground. Wind can lift and crack shingles without fully removing them. Damage that looks minor from the street can be hiding bigger problems above.

When you call us, we get on your roof and document everything we find. We put together a detailed inspection report with photos and written findings so you have a clear picture of what the storm did to your roof.

Step 2: Review Your Homeowners Insurance Policy

Before you file, take time to read through your policy or contact your insurance company directly with questions. A few things worth understanding on your own:

  • Your deductible: Texas policies often carry a separate wind and hail deductible, sometimes calculated as a percentage of your home’s insured value rather than a flat dollar amount.
  • Coverage type: Replacement cost value (RCV) policies cover repairs without deducting for depreciation. Actual cash value (ACV) policies subtract depreciation from the payout.
  • Filing deadline: Most Texas homeowners insurance policies require you to file within one year of the date of loss.

Your insurance company or a licensed insurance professional can answer specific questions about your coverage.

Step 3: File Your Claim with Your Insurance Company

When you are ready to file, contact your insurance company directly. Having a detailed inspection report and photos of the damage on hand before you call gives you a clear record of what was found and when.

Your insurer will assign an adjuster to inspect the damage and determine the scope of the claim from their end.

Step 4: We Complete the Repairs

Once your claim is processed and you are ready to move forward, we handle the repairs from start to finish. As a CertainTeed SELECT ShingleMaster certified contractor, we hold the highest credential level CertainTeed offers. Whether your roof needs targeted repairs or a full replacement, we use quality materials and stand behind every job we complete.

Start With a Free Storm Damage Inspection

If your home or business was in the path of the March 7th storm, the right first step is finding out what you are dealing with. We offer free storm damage inspections throughout Rio Grande City and the surrounding area.

Call us at (956) 476-7513 or visit our office at 308 E 2nd St, Rio Grande City, TX 78582 to schedule your free roof inspection.