How do I know if I really need a new roof?

We don’t guess — we inspect your roof in detail, document every finding, and let you know if replacement is truly needed or if repairs will do. If there’s storm damage, we’ll show you exactly why and when a claim makes sense.

What are the signs that my roof is failing?

Leaks, missing shingles, granule loss, warped shingles, or interior water stains are red flags. We’ll identify these issues during your inspection and show you clear photo evidence so you can make an informed decision.

How long does a typical roof replacement take?

Most replacements are finished in 1 day depending on size which could lead to 2 days, but the quality of our preparation starts long before installation — ensuring all materials, permits, and insurance approvals are ready so there are no delays.

How much will a new roof cost without insurance?

We’ll give you a transparent, itemized estimate upfront. Without insurance, most range from $8,000–$20,000+ depending on size, pitch, and materials. If damage is storm-related, we’ll help determine if insurance can cover it.

How long will my new roof last?

With the right materials and installation, you can expect 20–30 years of performance — and we back that with strong manufacturer and labor warranties.

What types of shingles or roofing materials do you offer?

We offer as our standard Owens Corning Duration with Rizer Ridge but also offer an impact-resistant shingles that may qualify for insurance discounts. This means that likely you'll get an automatic upgrade from your current shingle type to our standard OC Duration Shingle just for trusting Toros Roofing

Can I choose a different shingle color or style than I have now?

Yes — we bring samples and design tools so you can visualize your new roof before installation begins.

What warranties do you provide on your roofs?

You get a full manufacturers warranty and a 5-year labor warranty from Toros Roofing, plus all work documented for your records and insurance peace of mind.

Do you use subcontractors or your own crews?

We use our own experienced, well trained crews that meet our strict quality and safety standards.

Will my yard and landscaping be protected during installation?

Absolutely — we use tarps, magnetic sweeps, and thorough cleanup so your property looks better when we leave than when we arrived.

How do I know if my roof damage qualifies for an insurance claim?

We’ll inspect, take photos, review storm history, and advise you honestly. If damage meets insurance guidelines, we’ll explain why, show you the proof, and walk you through filing a claim.

Will you work directly with my insurance company?

Yes — we coordinate everything with your adjuster, present our documented findings, and ensure your damage is fairly assessed and covered.

What’s the process for filing a roof insurance claim?

First, we inspect and create a certified damage report. If filing is justified, we guide you through filing a claim, meet with the adjuster, and submit all needed documentation. Need more information about claim assistance? Click here.

What does “meeting my deductible” mean?

It’s the amount you pay before your insurance covers the rest. We explain how it works so there are no surprises.

Why can’t a roofing company pay or “cover” my deductible?

It’s illegal in Texas and many other states. We follow the law and maintain full transparency — roofing companies that offer to “waive” your deductible risk putting your claim and your coverage in jeopardy.

How long does the insurance claim process take?

Typically 2–4 weeks, but our involvement speeds things up by ensuring all paperwork and supplements are handled correctly the first time.

Will my premiums go up if I file a claim?

Weather-related claims usually don’t raise individual premiums but total claims in a zip code often lead to increased premiums — we’ll explain your carrier’s policies so you can decide confidently.

What happens if my insurance only approves a repair?

We review the decision, compare it with our inspection, and if more damage exists, we provide new evidence to justify a full replacement.

What is a “supplement” and why would you file one?

A supplement is additional documentation for uncovered or missed work. We file it to ensure your claim fully covers the scope of repairs needed.

How do you ensure the insurance payout covers all necessary work?

By matching our estimate line-by-line with your policy coverage, backed by photo evidence and industry-standard pricing software.

How soon should I have my roof inspected after a storm?

Right away — even minor hail or wind can shorten your roof’s life. Quick inspections ensure damage is documented before deadlines run out.

What’s the difference between hail damage and normal wear and tear?

Hail causes specific impact marks and granule loss patterns. Normal wear is gradual. We identify the difference and document it for insurance.

Can wind damage be covered by insurance?

Yes — if wind lifts, creases, or removes shingles, it’s often a covered peril. We’ll document and present it for approval.

How can I prepare my roof for storm season?

Join our Toros Service Club — we provide inspections, reseals, and minor repairs year-round so your roof is storm-ready. See more information here.

What is the Toros Service Club and how does it work?

It’s our proactive maintenance program starting at $39.99/month, including inspections, emergency leak repair, reseals, and shingle repairs — all documented for peace of mind and insurance readiness. See more information here.