Houston, TX — Hail + Hurricane Territory
Houston Gets Hail AND Hurricanes —
TWIA, Commercial Roofing, and Decking All Get Underpaid
No other US market combines the complexity of Houston's roofing insurance landscape: hail storms from the north, hurricanes from the Gulf, TWIA coastal claims with their own separate process, and one of the largest commercial roofing markets in the country. Hurricane Harvey alone caused $125 billion in total losses in 2017 — the costliest hurricane in US history — and every carrier with Houston exposure tightened their claims management afterward.
Houston's extreme humidity creates decking deterioration that carriers resist paying for until contractors know exactly how to document it at tearoff. Commercial roofing scope on TPO, metal, and modified bitumen roofs regularly gets underpaid because commercial carriers use different methodologies than residential. And TWIA claims require a completely different approach than standard carrier supplements. We handle all of it.
What We Recover in Houston
Houston's market complexity creates supplement opportunities that don't exist in other markets. Here's what carriers miss most consistently — and what we recover.
Decking Condition Documentation
Houston's extreme humidity accelerates decking deterioration on older homes. When tearoff reveals soft, compromised, or structurally inadequate decking — common on pre-2000 construction across Harris County — carriers resist paying without pre-documentation. We train contractors on the exact photo protocol: close-up texture shots, probe documentation, and square-footage measurement before the new roof goes on.
HVAC on Roof — Detach & Reset
Houston's commercial and multi-family roofing frequently involves rooftop HVAC units that require detach-and-reset during any full roof replacement. Carriers miss this scope item on the majority of commercial Houston claims. On residential, AC condenser detach-and-reset is similarly missed on homes with ground-mounted units that require clearance during the roofing process.
TWIA Claim Handling
TWIA covers coastal counties surrounding Galveston Bay and handles claims under a completely different process than standard private carriers. Their scope standards, supplement review procedures, and replacement cost methodology all differ. A licensed adjuster who knows TWIA's internal process recovers items that generic supplementing completely misses — particularly on commercial roofing scope in TWIA territory.
Commercial Roofing Supplementing
Houston's commercial roofing market — TPO flat roofs on warehouses and logistics centers, metal roofing on industrial facilities, modified bitumen on retail centers — requires commercial-specific supplement expertise. Commercial carriers use restoration-cost approaches that differ from residential RCV methodology. We handle commercial supplements with the same 24-hour turnaround as residential, including HVAC curb details, parapet flashing, and O&P on large commercial scopes.
Underlayment Upgrade — Houston Code
Houston's building code and the 2015 IBC adopted in Harris County require synthetic underlayment on residential re-roofs in most applications. Carriers write 15# felt as a default on the majority of Houston residential estimates. This is a systematic code-upgrade supplement opportunity on every Houston re-roof where synthetic is required.
Overhead & Profit
Houston's large commercial and multi-trade roofing jobs almost always involve subcontractors. O&P is owed when a general contractor coordinates subcontracted work. Commercial carriers in Houston fight O&P on large jobs specifically. We document the subcontractor relationships and cite the specific policy and Xactimate language that requires O&P on every applicable Houston claim.
Houston Carrier Intelligence
TWIA — Texas Windstorm Insurance Association
TWIA is the state-backed coastal carrier for Texas counties along the Gulf and Galveston Bay. They operate under separate statutes, use different claims procedures, and have their own supplement review process. TWIA claims require specific documentation packages that differ from standard carrier supplements — and commercial TWIA claims require commercial-specific expertise. We handle TWIA supplements with the same 24-hour turnaround as standard carrier claims.
State Farm Texas — Houston
State Farm's Texas claims division handles Houston claims through desk adjusters following catastrophic events. Post-Harvey, their Houston claims process became more aggressive on depreciation and scope minimization. Their desk adjusters consistently miss decking documentation requirements, HVAC scope, and commercial items. We document every missed item with specific State Farm Texas guideline citations and follow up through their Texas supplement review queue.
Commercial Carriers — Travelers, Zurich, Hartford
Houston's massive commercial roofing market is served by Travelers, Zurich, Hartford, and Lloyd's syndicates. Commercial policies have different terms, commercial claims adjusters use different scope methodologies, and commercial supplements require specific commercial roofing expertise. We handle commercial supplements on Houston's industrial, warehouse, and retail roofing with full scope documentation including HVAC curbs, parapet flashing, drain details, and O&P.
Allstate Texas — Houston
Allstate handles Houston claims through their Scottsdale, AZ supplement review center — adjusters who've never walked a Houston roof in August reviewing files from 1,800 miles away. They miss local code adoptions, TWIA-adjacent coverage questions, and decking documentation requirements consistently. The key with Allstate Houston supplements is referencing the specific Harris County code adoption on every code-upgrade item.
Why Houston Contractors Choose TEC
Houston's market complexity — residential, commercial, TWIA, hail, hurricane — requires supplement expertise across every category. Generic supplementing fails here because the carrier diversity and claim type variety require specific knowledge of each carrier's process and each claim type's documentation requirements.
Licensed Insurance Adjusters — residential, commercial, and TWIA claim expertise.
24-hour supplement delivery on every Houston hail and hurricane claim.
Decking documentation protocol — we train your crews on what to photograph at tearoff.
Commercial roofing supplement expertise: TPO, metal, modified bitumen scope.
TWIA-specific supplement process — separate from standard carrier work.
Guarantee: 2 claims/week × 12 months = 6-figure added margins, or we write a $5,000 check.
Ready to recover everything Houston carriers are leaving off your estimates?
Send us your next Houston hail or hurricane claim. We'll have a supplement back within 24 hours.
Guarantee: 2 claims/week × 12 months = 6-figure added margins or $5,000 check.