Restoring Your Home Shouldn’t Be Difficult.

At US Prime Roofing, we are homeowners too, so that means we understand that dealing with the aftermath of a storm can be overwhelming.

This is why we are dedicated to making the claims process easy and stress free. Through our expertise and commitment to your satisfaction, we provide a seamless experience so you can get back to enjoying the comfort of your home.

Here’s how we make the process easy:

Here's how we make the process easy:

Our Services

At US Prime Roofing, we are experts in the following areas:

Roofing Inspections

How do I know if my home was recently damaged from a storm?


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Roof Replacement

There are a lot of moving pieces in a roof replacement, here’s how we set ourselves apart.

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Roof Tune Up

Your roof might be in great shape, and only has a couple of trouble areas to give you many more years of use.

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Gutter Installation

Our professionally installed gutters help prevent foundation issues.

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Soffit and Fascia

New soffit and fascia can increase home value and add curb appeal.

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Claims Specialists

Choosing a contractor that understands the insurance world is critical to the success of your restoration project.

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Questions We Hear All the Time


What do I need to ask my agent before filing a hail/wind claim?

Here are some questions you can ask your insurance carrier to ensure you have the lowest out-of-pocket expenses in the event of a hailstorm:

  1. What is my deductible for hail damage, and can I adjust it to lower my out-of-pocket expenses in the event that I need to file a claim?
  2. Does my policy cover full replacement value, or only actual cash value, for hail damage?
  3. Are there any coverage exclusions or limitations that apply specifically to hail damage?

    – How much extra does it cost me to add replacement cost coverage to all my property?

  4. Does my policy cover damage to the entire property or only specific parts, such as the roof or siding?
  5. Are there any discounts or incentives available to help me reduce my premium costs, such as a hail-resistant roof or storm shutters?
  6. What is the claims process for hail damage, and how can I ensure that I receive the maximum reimbursement for my losses?
  7. Are there any preventative measures I can take to reduce the risk of hail damage, and will taking those measures impact my insurance rates?


By asking these questions, you can ensure that you have the right coverage in place and take steps to minimize your out-of-pocket expenses in the event of a hailstorm.

What is the difference between an Actual Cash Value and Replacement Cost Value insurance policy? (ACV vs. RCV)

Due to laws set by insurance carriers, a general contractor is unable to speak to your policy coverages, so confirm which coverage option you have with your insurance carrier if you need additional explanation on what is covered and what isn’t.

A replacement cost insurance policy and an actual cash value insurance policy are two different approaches to determining the value of an insured item in the event of a covered loss, such as hail damage. Here’s a brief explanation of each:

  1. Replacement Cost Value (RCV) Insurance Policy: In a replacement cost insurance policy, the insurer agrees to pay the cost of replacing the damaged or destroyed item with a new one of similar kind and quality, without deducting for depreciation. Essentially, this policy aims to restore your property to its pre-loss condition. For example, if your roof is damaged by hail, the insurance company would cover the cost of replacing the damaged roof with a new one, regardless of the age or condition of the previous roof.
  2. Actual Cash Value (ACV) Insurance Policy: An actual cash value insurance policy takes into account depreciation when determining the value of the insured item. It considers the replacement cost value minus depreciation based on its age, condition, and normal wear and tear. In the event of hail damage to your property under an actual cash value policy, the insurer would consider the age and condition of the roof before calculating the reimbursement. This means that you would only receive the current market value of the damaged roof, and you would have an additional out of pocket cost of its depreciated value.

It’s important to note that replacement cost policies typically have higher premiums compared to actual cash value policies since they provide a higher level of coverage. However, they offer more comprehensive protection and can help you recover the full cost of replacing damaged items. Actual cash value policies, while generally more affordable, may leave you with out-of-pocket expenses to cover the depreciation of the item being replaced.

When choosing between the two, consider your budget, the value of your assets, and your risk tolerance to decide which policy type suits your needs best. Additionally, it’s always recommended to carefully review the policy terms, coverage limits, and any exclusions before making a decision.

Who do I pay my deductible to?

In the event of an insurance claim, you typically pay your deductible directly to the contractor or service provider who is repairing or replacing the damaged property. The deductible amount is subtracted from the total claim amount that your insurance company will pay.

Here’s a general overview of how the payment process usually works:

  1. File a Claim: Contact your insurance company to report the claim as soon as possible after the incident occurs. They will guide you through the claim process and provide instructions on what documentation is needed.
  2. Claim Evaluation: An adjuster from your insurance company will assess the damage, evaluate the claim, and determine the covered amount for repairs or replacement.
  3. Deductible Calculation: The insurance company will subtract your deductible amount from the total claim value. For example, if your claim is approved for $5,000 and your deductible is $1,000, you would receive a payment of $4,000.
  4. Payment Arrangement: You will be responsible for paying the deductible directly to the contractor or service provider who is performing the repairs or replacement. The insurance company will provide you with the necessary information to facilitate this payment.
  5. Insurance Reimbursement: If you have a Replacement Cost Value (RCV) insurance policy, after you pay your deductible and the work is completed, the insurance company will release the remaining funds owed to you for the approved claim amount, which is typically paid directly to you.

It’s important to note that the specific procedures and payment methods may vary depending on your insurance company and the terms outlined in your policy. It’s recommended to consult with your insurance provider to confirm their standard operating procedure and clarify any questions you may have regarding deductible payments during the claims process.

Raving Fan Feedback

Jay and his team were the best experience with contractors I’ve ever had, he went above and beyond with listening to our needs and coming by in person multiple times to explain the process and ensure a quality job…I’d recommend them for anything!

Joey Geisel

I know the owner from his previous company, and he is great, dependent, and always does a great job.

Frank Resendes

Can’t say enough about how a great Us prime roofing is. Absolutely top notch quality! Friendly and knowledgeable sales professionals, Punctuality, you name it.
Jay is the best! Will definitely be calling them with any future roofing needs.

Jonathan Sharp

Excellent and honest!

Elizabeth Medley

I was incredibly happy with the service I received. I received solid recommendations from the initial inspection and the work was completed as planned. The crew was very responsive and Jay in particular went out of his way to make sure we were happy. Highly recommend them if you need quality repairs and someone you can trust to get it right the first time!

Joe Mata

Brands We Partner With


Years of Experience
About US Prime Roofing

Who We Are

With a 25+ year history of multifamily development and management, it was decided to start a roofing division with an emphasis on quality. We own and manage all of our properties for 10-15 years, so having a quality product that has installation documentation is crucial to the success of our company. Below are key items to our success:

  • Quality First
  • Detailed Documentation On Every Project
  • Appropriate Insurance Coverages
  • Industry Leading Products
  • Large Scale Experience
  • Claims Expertise
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Blog Posts

Below are blog posts that you may find helpful!

  • General

Prioritizing Quality Over Price: The Key to Insurance Restoration Success

When it comes to insurance restoration for your roof, it’s tempting to solely focus on finding the lowest price available. However, choosing a roofing company…

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  • General

Elevate Your Home with a Specialty Roofing System: The Perfect Choice for Higher Value Homes

When it comes to higher value homes, every detail matters. From the foundation to the finishing touches, homeowners want to ensure that their investment is…

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  • General

Who do I pay my deductible to?

In the event of an insurance claim, you typically pay your deductible directly to the contractor or service provider who is repairing or replacing the…

Read More
  • General

Do I Need To Pay My Deductible? What You Need To Know About Texas Law HB 2102.

Contrary to popular belief, it’s illegal for a contractor to waive your deductible or help you avoid paying it. How would a contractor help me…

Read More

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