Storm and Hail Damage in the Rio Grande Valley, TX
A wrong date of loss can get your claim denied, so your file carries the storm date for your address. Texas law bars any contractor from covering your deductible.
Hail about one inch across bruises an asphalt shingle, and that happens here from March through May. Your adjuster works from a 10 by 10 foot test square on each slope. We meet them on the roof with dated photos of every hit.
What the job includes02
What a roofing job with us includes
Hail arrives with the spring line storms between March and May. Wind comes back with hurricane season, June through November. One cell can shred Roma and leave Rio Grande City untouched. So your adjuster starts from your address and your date of loss. A wrong date of loss is one of the fastest ways to get a Valley claim denied.
- —Full damage walk with every hit marked in chalk, slope by slope
- —A 10 by 10 foot test square photographed on each side of the house
- —Soft metal check on vents, gutters, garage door and the AC fins, since those dent first
- —Storm date and reported hail size for your address, filed with the photos
- —Written scope in the same line-item format your adjuster already uses
- —David on the roof with the adjuster, not waiting in the driveway
- —Emergency tarp on any slope that is open to the weather
- —Supplement filed with photo evidence when the first scope misses something
- —Dents in the soft metal: gutters, vent caps, the mailbox and the AC fins
- —Round dark bruises on the shingle where the granules are gone
- —A driveway and patio covered in granules after a spring storm
- —Shingle tabs creased in a line along one slope after high wind
- —Split or lifted ridge cap along the top of the roof
- —Window screens punched in on the storm facing side of the house
Price range03
How much does roofing cost in the Rio Grande Valley?
Damage walk and photo file in about 90 minutes
Two weeks from claim to start when the adjuster moves quickly. Longer after a Valley wide event.
How we work this job04
How does the job actually run?
A written estimate before anything starts, a start date we commit to, and one person responsible from the first walkthrough to the last inspection.
- 01Photograph from the ground the same dayShoot the yard, the dents in the gutters and any hail still on the grass with your phone. Those images carry the date.Day of the storm
- 02We walk the roof and build the fileChalk on the hits and a test square on each slope. Close shots of the soft metal, plus the storm report for your address.Within days
- 03You open the claim with your carrierYou make the call, with your policy number and the date of loss ready. We send you the photo file to attach.Before the adjuster
- 04We meet the adjuster on the roofTwo sets of eyes on the same shingle. Anything they miss gets pointed out while they are still on the ladder.Adjuster visit
- 05Approved scope, then schedule and buildOnce the scope is settled you get the start date and the material list. The same tear-off and dry-in rules apply.After approval
From the build site05
Which homes has David Aceves helped build?
Homes built by Cuates Construction, with David Aceves on the build. Look at the roof lines, the eaves and where the roof meets the walls: David plans a roofing job with that same eye.
Questions we get06
Questions homeowners ask us about this work
What is a test square and what is the adjuster counting?
A 10 by 10 foot area chalked off on a slope. The adjuster counts the bruises inside it and multiplies out. Most carriers want a set number of hits per square before they call a slope damaged. One missed square can change the outcome.
My claim was denied. Is that the end of it?
No. A denial can be reviewed, and you can ask for a reinspection with your own documentation in hand. Get the denial reason in writing first. A wrong date of loss and a real lack of damage are different problems.
How long after a storm can I still file?
Your policy sets that deadline, not us and not the contractor knocking on your door. Look at your declarations page for the notice requirements and call your carrier. Waiting also makes it harder to prove the damage came from that storm and not from age.
My neighbor got a full roof and I got nothing. Why?
Hail falls in narrow paths and lands at an angle, so one side of a street can take the hit. Roof age, material and slope direction also change what an adjuster finds. A class 4 shingle two years old bruises far less than a 19 year old three-tab.
Does filing a hail claim raise what I pay?
Weather claims and at-fault claims are not treated the same way. Every carrier has its own rules on rates and renewals. Ask your agent to put the answer for your policy in writing before you file. Keep that email with your claim paperwork.
A remodeling contractor based in Rio Grande City, working across the four Valley counties. The team is led by David Aceves, whose background is building custom homes, from the slab and the framing to the finish work.
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