8 Home Insurance Claim Myths and Facts

1) Will filing a roof claim raise my premiums? 📉

🧐 Myth: Filing a roof claim automatically raises your premiums.

💡Fact: Rates are based on claims across your ZIP code, not your individual claim.

• Premiums typically rise when many homes in your area file for storm damage.
• If you don't file, your rates may still increase—only you miss the roof replacement.
• New roofs can qualify for discounts because they reduce future risk.

Simplified explanation: Premiums are driven by ZIP-code trends. If neighbors file after a hailstorm, rates rise whether you file or not. Filing helps you get the new roof you're already paying for—and it prevents UV-exposed hail hits from turning into leaks.

2) Is the insurance money already set aside? 💰

🧐 Myth: Filing a claim takes money from someone else.

💡Fact: Carriers budget for storm events; unclaimed damage is effectively redistributed to those who do file.

• You pay for coverage every month—claims use benefits you've earned.
• Not reporting covered damage doesn't lower costs; it just means others use the pool.

Simplified explanation: Think of insurance like a gym membership—you've already paid for access. If you never go, the benefit goes unused.

3) Do I need a new roof only if it leaks? 🏡

🧐 Myth: If it's not leaking, it's fine.

💡Fact: A new roof boosts curb appeal, resale value, and helps avoid buyer credits and failed inspections.

• Fresh materials and colors modernize your home's look.
• Fewer surprises when selling—inspections go smoother.

Simplified explanation: This isn't just repair—it's an investment. You're improving efficiency, value, and peace of mind for the next storm season.

4) Will my premiums rise as my roof ages? 📈

🧐 Myth: Roof age doesn't affect rates.

💡Fact: Older roofs carry more risk; many carriers raise premiums as roofs age.

• New roofs reduce risk and can help lower premiums.

Simplified explanation: Insurers see an aging roof as a growing liability. Replacing it now can reduce risk and, in many cases, your rate.

5) Do insurance companies avoid paying for roofs? 🛠️

🧐 Myth: Carriers always try to avoid paying for roofs.

💡Fact: Replacing a damaged roof now can cost less than paying for interior damage later.

• Delays can lead to leaks, structural issues, and bigger claims.

Simplified explanation: Carriers prefer the predictable cost of a replacement over the uncertainty of major interior repairs later.

6) How long do I have to file? ⏳

🧐 Myth: I can file whenever I'm ready.

💡Fact: Many policies limit you to about one year from the date of loss in Texas—waiting can jeopardize coverage.

• Pre-existing damage can be excluded if you wait too long.

Simplified explanation: If you wait, covered damage today could become an out-of-pocket repair tomorrow. With a 5-star local contractor ready to help, the best time is now.

7) Do I have to handle all the claim details? 🤝

🧐 Myth: Filing is too stressful to deal with.

💡Fact: You don't have to do it alone—we guide you through, and with your policy number we can coordinate the process.

• We simplify paperwork and coordinate with your adjuster.

Simplified explanation: We'll walk you through the call, or handle it with your policy number—your choice.

8) Does home insurance cover more than the roof? 🏘️

🧐 Myth: Policies only cover the roof.

💡Fact: Many policies also cover gutters, siding, fencing, and interior water damage from leaks.

Simplified explanation: When we represent you, we document everything—so eligible items like gutters and siding are included.

Ready for a straightforward claim experience?

We help DFW homeowners navigate insurance and get high-quality roof replacements. Start with a free inspection today.