Roof damage claims — whether from hail, wind, hurricanes, or falling objects — are among the most commonly disputed property insurance claims in Houston. CDF Law fights for the full replacement your policy provides.
Actual Cash Value vs. Replacement Cost
Many policies pay Actual Cash Value (ACV) for roof damage initially, with the difference between ACV and full Replacement Cost Value (RCV) paid as a 'recoverable depreciation' after repairs are complete. CDF Law ensures your policy's RCV provisions are enforced and recoverable depreciation is released when eligible.
Matching Requirements Under Texas Law
Texas law requires insurance companies to pay for matching replacement materials when damage requires partial replacement and existing materials are no longer available. CDF Law enforces matching requirements when insurers attempt to pay for mismatched repairs.