Most Texas Homeowners Pay Nothing. We Handle the Entire Claim.
Shadow Stone files your hail or wind damage claim, meets your adjuster on-site, and fights for your full settlement. Most DFW and San Antonio homeowners pay only their deductible.
Insurance Companies Do Not Always Pay What They Owe
After a hail or wind storm, most Texas homeowners do not know they have a valid claim. And when they do file, they often receive a lowball settlement because they navigated the process alone — without a roofing specialist in their corner.
Insurance adjusters work for the insurance company. Shadow Stone works for you. We document every square inch of damage, meet your adjuster on-site, and advocate for your full claim amount.
We File, We Fight, We Win
Most homeowners who work with Shadow Stone receive a full roof replacement approved by insurance. We have handled thousands of claims across DFW and San Antonio and know exactly how to document and present your damage to maximize your settlement.
The Process
How Shadow Stone Handles Your Claim
Free Roof Inspection
We visit your home and perform a full inspection at no cost. We photograph every impact point, granule loss, and structural concern.
Full Damage Documentation
We create a detailed damage report with timestamped photos and a professional assessment that supports your maximum claim amount.
We File Your Claim
Shadow Stone handles all claim paperwork and submission on your behalf. We know exactly what documentation each major carrier requires.
Adjuster Meeting
We meet your insurance adjuster on-site and walk them through every finding. Our presence consistently results in higher approved claim amounts.
Claim Approved
Most Texas homeowners receive a full replacement settlement. You pay only your deductible — and we can help finance even that if needed.
New Roof Installed
Shadow Stone installs your new roof with premium materials and backs the workmanship with a written warranty.
We Take the Stress Off Your Plate
From the first phone call to the final inspection, Shadow Stone manages every step of your insurance claim. You focus on your family — we handle the rest.
Our team has filed thousands of claims across DFW and San Antonio and knows exactly how to document and present damage to maximize your settlement with every major Texas insurance carrier.
Full roof inspection and damage documentation
Professional photo report for your adjuster
Insurance claim filing and paperwork
On-site adjuster meeting and advocacy
Supplement requests when adjuster undervalues damage
Coordination with your mortgage lender if required
Full roof installation with written warranty
Act Fast
Why Filing Your Claim Quickly Matters
Texas homeowner policies have claim filing deadlines. Waiting too long — or allowing a storm chaser to do a shoddy patch job before a professional inspection — can jeopardize your settlement.
Call Shadow Stone
We deploy an inspector as quickly as possible. If you have an active leak, we can place emergency tarps to prevent additional damage while the claim is processed.
Claim Filed
We submit your insurance claim with full documentation. Most Texas policies require claims to be filed within one year of the storm event — but the sooner the better.
Adjuster Visit and Approval
We meet the adjuster on-site and typically receive approval within a few weeks. Your new roof is then scheduled and installed — usually in a single day.
Frequently Asked Questions
Common Questions
Most standard Texas homeowner policies cover roof damage caused by hail and wind. Shadow Stone performs a free inspection to determine if your roof qualifies, then handles the claim process on your behalf.
Texas law generally requires storm damage claims to be filed within one year of the weather event. However, policies vary — we recommend contacting Shadow Stone as soon as possible after a storm to protect your claim.
Shadow Stone can request a re-inspection and file a supplement if we believe the damage was undervalued or improperly denied. We have successfully appealed numerous initial decisions for DFW and San Antonio homeowners.
There is no cost to file a claim. If your claim is approved for a full replacement, you typically only pay your deductible. Shadow Stone can also help finance your deductible if needed.
This depends on your policy and your insurer. Shadow Stone can discuss this with you before filing so you can make an informed decision. In most cases, the cost of a full replacement far outweighs any premium impact.
Yes. Shadow Stone has experience working with all major Texas homeowner insurance carriers including Allstate, State Farm, USAA, Farmers, Liberty Mutual, and many others.
Ready to Protect Your Home?
Shadow Stone serves all of DFW and San Antonio. Fill out the form or call us — we respond same day and there is never any pressure or obligation.
Free Inspection — No Cost, No Pressure
We visit your property, photograph all damage, and give you a written report.
Insurance Claim Handled For You
We work directly with your adjuster. Most homeowners pay only their deductible.
Written Warranty on Every Job
Workmanship warranty plus manufacturer coverage, backed in writing.
Prefer to call? (682) 224-0041
Schedule Your Property Inspection
Most homeowners hear back within the hour.