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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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Latest Blogs



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

Rising Demand for Roofing Services in Plano: What It Means for Homeowners

Protect Your Roof and Your Wallet with Dwell Roofing

Customer Feedback

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Herman Daniel
Herman Daniel
Due to the recent 76 mph windstorm, a section of my roof was exposed because the tiles were blown away. Jesse, the owner, personally covered the exposed area immediately and, after approval, sent his crew to replace the missing tiles. They did a thorough job. Jesse and his crew are professional, honest, and reasonable. Consequently, Dwell Roofing and Exteriors will be my first choice for future projects.
Charles Ward
Charles Ward
Recently had some minor storm damage to our roof so decided to call Dwell to inspect and recommend repairs. Within a day of calling, Westley came out and did the inspection. I was impressed by the explanation I received about the needed repairs and how quickly they were able to come out and ultimately perform those repairs considering how busy this time of year is. I am very happy with the results and highly recommend this company.
Cheri Robertson
Cheri Robertson
Really great experience with Dwell Roofing. This is my first time ever having to replace a roof, and when I need this again in the future, I'll give them a call.I had an initial glitch with scheduling when I called their office to get an estimate. The gentleman who was to come out had a syncing issue I believe with his calendar and so missed my appointment. I called in to ask if I had gotten the date or time wrong. Minutes later, the owner Jesse called me to let me know what happened, apologized for the glitch, and within 30 minutes he was at my house and did the review himself.From that point on he kept me informed via text or email as to what was going on for each phase. The entire roof replacement took most of the day (info for those like me who never went through this before). I had a sealed gutter system that also needed to be replaced, so they then scheduled that at a later date soon after the roof was done. Everything was completed when promised (the gutter system took a little less time).The best part is their office dealt with the insurance company a LOT. I barely had to deal with them other than their own initial inspection and a few emails with payment issue that I forwarded to Dwell Roofing's office. Dwell was able to get all the money owed to them from insurance company and then I paid my deductible. If you haven't done this before either: the insurance company sends you the checks then you pay Dwell. If you have a mortgage like I do, the mortgage company has to co-endorse the checks, so be sure you find out from your mortgage company how that's done. Dwell asked for around 1/3 payment after they were done with the first part, then I was able to send them the rest once insurance sent me all the checks (3 paper checks and one direct deposit - this all took over 4 months). So thankfully I was able to have the new roof and gutter system on and then they kept after the insurance company to get the rest of the money. I was never asked to pay ahead of time or anything like that.No one likes to deal with these big projects, but I appreciate the great experience. It made things much easier! Highly recommended!
Emma McCartney
Emma McCartney
We had a great experience with Dwell Roofing. Andrew was the technician who came out, and he was incredibly helpful and knowledgeable. As first-time homeowners, we've had a lot to learn, and Andrew took the time to explain everything clearly. He not only helped with our current roofing needs but also gave us valuable advice on handling future roof issues and navigating insurance claims if they ever come up. I also think they were also reasonably priced. Great communication and quick responses. Highly recommend their services!
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