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Understanding Roofing Insurance: A Guide for DFW Homeowners

Insurance companies are scrutinizing claims more thoroughly than ever, requiring an abundance of evidence indicating storm damage. In some cases, they have even attempted to deny claims that involve valid and obvious storm damage caused by wind and hail in order to avoid issuing payments on legitimate losses.

How Insurance Companies Are Cracking Down on Claims

  1. Stricter Coverage Policies:
    Many insurance companies are reducing coverage options, particularly for older roofs. Some policies now only provide Actual Cash Value (ACV) coverage for roofs over a certain age, reimbursing homeowners based on the depreciated value rather than the replacement cost.
  2. Higher Deductibles:
    Homeowners are facing deductibles that have increased dramatically. Policies with percentage-based deductibles, such as 1% or 2% of your home’s insured value, are becoming more common, leading to higher out-of-pocket costs during claims.
  3. Nationwide Rate Increases:
    Property insurance rates in the U.S. have skyrocketed, with a 23% increase from 2023 to 2024. These rising costs are forcing many homeowners to reevaluate their budgets and insurance policies.
  4. Tighter Claim Scrutiny:
     If you are unhappy with your current insurance company, we have partnered with some agencies that provide great coverage and support for their customers that we are happy to recommend.

How Dwell Roofing Simplifies the Insurance Process

Navigating these challenges doesn’t have to be stressful. At Dwell Roofing, we offer solutions that help you make the most of your policy while providing peace of mind:

  1. Free Consultations: We provide professional roof inspections to identify issues and guide you through the claims process at no cost.
  2. Detailed Documentation: Our team offers comprehensive reports, including photos and assessments, to support your insurance claim.
  3. Cost-Credit on Repairs: Any money you spend on roof repairs will go toward the cost of a future roof replacement.

Why Homeowners Trust Dwell Roofing

  1.  Highest Rated: Ranked #1 roofing company on Yelp in Dallas-Fort Worth, 2024 Quality Business Awards Winner for the best roofing company in Plano, A+ rating with the Better Business Bureau for 10 years straight. We pride ourselves on delivering honest and reliable service.
  2.  Local Expertise: We’ve served Plano and the greater DFW area for several years, giving us a deep understanding of Texas’s unique weather challenges and insurance policies.

Protect Your Home and Save Money

With rising insurance rates and stricter policies, being proactive about your roof has never been more important. Dwell Roofing is here to help you navigate these changes, protect your home, and save money in the long term. Whether you need a repair, a replacement, or assistance with your insurance claim, our team is dedicated to providing exceptional service every step of the way.

Contact us today for your free consultation and experience the Dwell Roofing difference!

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Roof Replacement vs. Roof Repair: How to Know What Your Home Needs

Beyond the Flames: The Hidden Dangers of Smoke Damage & How to Protect Your Home in North Dallas

Understanding Roofing Insurance: A Guide for DFW Homeowners

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Customer Feedback

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Stefanie B
After many failed attempts with trying to reach the roofing company that previously serviced my roof and where I have my warranty… I reached out to Dwell Roofing & Exteriors. I had a roof leak that was causing damage to my living room wall. It was getting worse and we had more rain coming. Josh came out quickly, assessed the damage and found the roof leak. He quoted me upfront and the cost was fair and reasonable. They took before and after photos and did a phenomenal job. Very impressed with the quality of work, how quickly they got it done, how respectful and friendly the crew were and didn’t overcharge me. Will definitely use this company again! A+ rating!
Response from the owner:Hello Stefanie, Thank you for your trust in our company and for sharing your experience with Josh and Dwell Roofing! Roof leaks can be very tricky to assess and repair but we do our best and stick with it until the problem is solved! Please don't hesitate to reach out if you need any additional exterior leak repairs. Thanks again,
Christopher Sheppard
I purchased my home in 2014 and had always dreaded the day I’d have to tackle major repairs - especially the siding. After years of windstorms here in DFW, that day finally came. A major storm last year caused damage to both the exterior (roof and siding) and interior (water damage). Unfortunately, my go-to roofing company completely dropped the ball -- delayed claims, no follow-ups, and a total lack of transparency.

Seeing the writing on the wall that I couldn't depend on them, I decided to explore alternative providers. That's when I discovered Dwell Roofing, and from the jump, they stood out. Their website impressed me with transparent, educational content -- with no hard sales -- just solid info. After connecting with their team, I was even more impressed. They were knowledgeable, respectful, and genuinely helpful—nothing like the stereotypical “roofing salesman” we all dread.

They quickly responded to my request for estimates, offered fair pricing, and delivered excellent work. Based on that stellar experience, I returned a few months later to have all my siding replaced, and I couldn't be happier. The pricing was fair and the results were beyond my expectations. My house looks brand new.

But what truly made the experience outstanding was working with Josh De La Rosa. I had a million questions, and Josh always responded quickly with patience, kindness, and professionalism, even after hours. He even brought over paint samples in person to help me decide on a color, too. That gesture sure meant a lot and made our decision making process about the color of the home much easier. He consistently went above and beyond to make sure I felt informed and confident every step of the way.

Thanks to Josh, Dwell is now my go-to company for any future work. To the team at Dwell: Josh is the reason you’ve now got a lifelong customer -- please give that man a raise!!
Response from the owner:Thank you Christopher for taking the time to provide such a detailed and thoughtful review of your experience with Josh and Dwell Roofing & Exteriors! We appreciate your business and look forward to working with you in the future!
Christopher S.
I purchased my home in 2014 and had always dreaded the day I'd have to tackle major repairs - especially the siding. After years of windstorms here in DFW,...
Nathaniel L.
went with dwell roofing for a recent leak we noticed in our house. Josh came out the same day I called to inspect the roof and found missing shingles and...