If the March 7th storm damaged your roof in Rio Grande City, your homeowners insurance policy may cover the full cost of repairs or replacement. The claims process can feel overwhelming if you have never been through it before, but you do not have to figure it out on your own.

At McAllen Valley Roofing Co., we work with homeowners throughout Rio Grande City on storm damage repairs and insurance claims every day. Here is exactly how we help you get through the process and get your roof taken care of the right way.

Step 1: We Inspect Your Roof First

The first thing we do is get on your roof and find out what the storm actually did. 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. If you wait for the insurance adjuster to tell you what is damaged, you may end up with a report that misses things.

When you call us before you file, we document everything. We put together a detailed inspection report with photos and findings that you bring to your insurer. That report becomes the foundation of your claim and gives you something concrete to work from before anyone from the insurance company steps onto your property.

Step 2: We Help You Understand Your Policy

Before you file, it helps to know what you are working with. We can walk you through the key parts of your policy so nothing surprises you:

  • 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 amount.
  • Coverage type: Replacement cost value (RCV) policies cover the full cost of repair without deducting for depreciation. Actual cash value (ACV) policies subtract depreciation. Knowing which one you have affects what your payout looks like.
  • Filing deadline: Most Texas homeowners insurance policies require you to file within one year of the date of loss. Do not wait too long.

Step 3: We Support You When You File

Once you are ready to file, we make sure you go in prepared. We help you pull together everything your insurer needs: the date of loss, photos of visible damage, and our inspection report. When you file with solid documentation already in hand, your claim starts from a position of strength.

Step 4: We Show Up When the Adjuster Does

Your insurer will send an adjuster to inspect the damage. We can be there when that happens. Having us on-site means the adjuster has our documentation in front of them and has to account for every item we found. It also means nothing gets overlooked during the walkthrough.

If the adjuster’s report comes back lower than the damage warrants, we help you dispute it. We know what a complete, accurate repair estimate looks like and we will push back if the settlement does not reflect the actual scope of work.

Step 5: We Complete the Repairs the Right Way

Once your claim is approved, 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, contact us before you file your claim. The earlier we get involved, the better position you are in throughout the entire process.

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.