Prepare for a Metal Roof Insurance Inspection
Gather records that help describe your roof's condition before and after a reported storm. This checklist supports documentation; the insurer determines coverage under your policy.
Request a Roof InspectionStart with the coverage guide
For an explanation of policy considerations and repair-versus-replacement decisions, read Does insurance cover metal roof replacement in Texas? Use the checklist below to prepare your records rather than assuming a particular outcome.
Documents to collect
- Your policy documents and any relevant roof endorsements.
- Roof installation date, product records, invoices, and available warranties.
- Previous inspection reports, repairs, and photographs.
- The date you noticed new damage or interior water entry.
- Photos taken safely from the ground or inside the building.
- Receipts and records of temporary measures already completed.
Questions for the roof inspection
Ask which panels, seams, fasteners, flashings, and penetrations show visible changes. Request photos that identify the location and distinguish observations from conclusions. Cosmetic changes and water-entry problems need to be described accurately.
After the insurer's inspection
Keep the insurer's documents and contractor's repair scope together. Ask your insurer about coverage and policy terms, and ask the contractor to explain the roofing work recommended. Do not treat a contractor estimate as an insurer's approval.
Read what to review after an adjuster visit and how to document storm roof damage.
Arrange the next step
Request an inspection or call (956) 217-9989. For consumer resources, visit the Texas Department of Insurance.
