insurance roof replacement texas

https://getrcvvsacvroofinsight.juniperbrief.com/posts/understanding-rcv-vs-acv-roof-claims-for-texas-homeowners

When my roofing contractor told me the damage from that hailstorm would cost $12,000 to fix, I called my insurance company first. Here in Texas, wind and hail claims are common, and I learned that filing a roof replacement claim involves a different deductible than other claims—often a separate storm deductible. My adjuster explained that the policy covers 'functional replacement' rather than full cosmetic restoration, which meant some matching shingles weren't included. Getting multiple quotes…