🏠 Texas Insurance is Paying Less—Here’s Why That Matters for Your Roof, and How Texas Legacy Roofing Can Help A recent report from Weiss Ratings revealed something every Texas homeowner should know: Nearly 47% of homeowners' insurance claims in Texas were closed without any payment in 2024. That’s nearly half. And it’s a number that’s only rising. Compare that to just eight years ago in 2016—only 35% of claims went unpaid. Today, Texas leads the nation in unpaid claims, and it's not by accident. So what’s changed? And more importantly, what can you do to protect your home—and your wallet? 🔍 Why Are So Many Texas Claims Being Denied? There are a few key factors driving this shift: 1. Policy loopholes and rising deductibles Insurance companies have adapted their policies to limit their own liability. That means: Higher deductibles that often exceed the cost of the actual repairs Coverage exclusions for wind or hail damage—two of the most common causes of roof damage in North Texas Narrower definitions of “storm damage,” letting insurers claim it’s just wear and tear 2. Texas legislation makes it easier for insurance companies to say “no” Back in 2017, new state legislation reduced penalties for insurers that deny valid claims. That led to more claim denials, fewer lawsuits, and unfortunately—more Texans paying for damage out-of-pocket. 3. Many homeowners don’t challenge the denial Most homeowners either trust the denial or don’t know they have options. They never push back, never bring in a professional second opinion, and end up covering costly repairs that should’ve been paid by insurance. 💡 What This Means for Texas Homeowners If you’re a homeowner in Denton, Argyle, or anywhere across North Texas, here’s the reality: Just because insurance denies your claim doesn’t mean the damage isn’t real. Minor damage today can turn into major leaks and thousands of dollars in damage later. Most insurance adjusters aren’t roofing experts—and they often miss or overlook the signs that a trained roofer will immediately catch. This is where Texas Legacy Roofing and Construction steps in. 🛠 How Texas Legacy Roofing Protects You and Your Home We’re a veteran-owned, local company that believes in protecting the people and the homes of our community. When it comes to your roof, we don’t cut corners —and we don’t leave you to battle insurance companies on your own. Here’s what we do differently: ✅ 1. Detailed Inspections That Tell the Real Story We don’t just “eyeball” it. We document everything. Our inspections include: Drone footage and high-res photos of all roof slopes and damage Identification of hail bruising, granule loss, lifted shingles, and flashing issues A full damage report written in insurance-friendly language, so there’s no confusion about what’s needed and why ✅ 2. We Help You Navigate the Insurance Process We’ve worked with hundreds of insurance claims and we know how to communicate with adjusters. If your claim was denied, we can help prepare a reinspection and provide the evidence needed to challenge that denial. We’ve even worked with attorneys in situations where insurance carriers—especially the usual suspects—refuse to do the right thing. ✅ 3. Quality Craftsmanship and Honest Work Whether you’re repairing storm damage or replacing your roof completely, our team delivers high-quality, code-compliant work—always backed by transparency and integrity. If you don’t need a new roof, we’ll tell you. But if you do, we’ll walk you through every step so you’re never in the dark. 💬 Let’s Talk—Before the Next Storm Hits With spring and summer storms sweeping across North Texas, now is the time to act. If you’ve experienced: Leaks or water stains inside your home Missing or lifted shingles Granule loss or shingle discoloration Gutters pulling away or fascia issues …then you might already have storm damage that insurance should cover—but only if it's properly documented . 📞 Contact Texas Legacy Roofing & Construction Today We’re here to serve Denton, Argyle, and all surrounding areas with trusted, veteran-owned service. Licensed, insured, A+ rated with the BBB—and committed to helping homeowners like you avoid unnecessary costs. 👉 Call (817) 668-3951 or email info@texaslegacygc.com to schedule a free inspection. Let us be your first—and only—call when it comes to protecting your roof and fighting for what’s right.