What We Handle
Case Types We Fight
Hail-Caused Roof Damage
Functional and cosmetic damage requiring partial or full roof replacement.
Wind-Caused Roof Damage
Lifted shingles, ridge cap loss, and structural movement from severe storms.
Tree Impact & Falling Object
Direct impact damage from fallen trees or debris.
Flat/Commercial Roof Claims
TPO, EPDM, and built-up roofing systems requiring specialized damage assessment.
Code Upgrade Claims
Repairs that must meet current building codes under Ordinance or Law coverage.
Wrongful ACV-Only Payments
When RCV policy is in force but insurer pays only ACV, withholding recoverable depreciation.
What You Can Recover
- Full replacement cost of the roof system
- All related interior damage from water intrusion
- Code upgrade costs under Ordinance or Law coverage
- Recoverable depreciation withheld by the insurer
- Attorney's fees and statutory penalties under Texas Insurance Code § 542A
Recent Recovery
$220,000
Roof Damage — Hail / Commercial Property Underpayment
Commercial property owner received an initial $47,000 payment. CDF Law's independent roofing engineer documented complete system failure on all three structures. Final settlement of $220,000.
Past results do not guarantee similar outcomes in future cases.
Frequently Asked Questions
Common Questions About Your Case
What is recoverable depreciation and how do I get it? +
When you have RCV coverage, the insurer pays ACV initially and releases withheld depreciation after repairs are completed and documented. CDF Law manages this process to ensure full RCV payment is received.
My insurer says my roof was old — does that mean I get nothing? +
No. While age affects depreciation calculations, it doesn't eliminate coverage. CDF Law disputes excessive depreciation deductions and ensures your settlement reflects the actual restoration cost.
What does the 'cosmetic damage' exclusion mean? +
Some policies exclude damage affecting only appearance without impairing function. Whether damage is truly cosmetic is a fact question. CDF Law uses independent roofing experts to document loss of granulation, seal strip integrity, and accelerated degradation.