Navigating Your Roofing Journey with Hive Roofing

Welcome to Hive Roofing. We know that the prospect of roof repair or replacement can feel daunting, so we built a clear, straightforward process to keep your experience as simple as possible. This guide walks through what to expect at each stage — from your first inspection through the final walkthrough of the completed work.

A note before we start: Hive is a roofing contractor. We inspect, document, and build. We are not your insurance adjuster, and we never promise an outcome on your behalf. Decisions about whether a claim is appropriate, what is covered, and what is paid are between you and your insurance carrier. Our job is to give you the information and the workmanship you need to make good choices about your home.

1. Schedule a professional inspection.

Before you call your insurance carrier about anything, have a licensed roofing contractor inspect your home. There are two reasons this matters. First, you will know whether there is actually storm-related damage worth a conversation with your carrier. Second, the inspection often surfaces damage beyond the roof — siding, gutters, windows, soft metal — that you would not have caught from the driveway.

Our inspectors are RCAT-licensed and HAAG-certified. We document every slope with photos, mark hits on a diagram, and produce a written report. That report belongs to you whether or not you ever hire us for the work.

2. Decide whether to contact your insurance carrier.

If the inspection turns up damage, you can choose to contact your homeowner's insurance carrier to discuss next steps. Every policy is different, and only your carrier can tell you whether a claim is appropriate, what your deductible is, and what their timeline looks like. We will hand you the inspection report so you can have an informed conversation, but the call to file is yours.

If your carrier opens a claim, they will give you a claim number and the contact information for an assigned adjuster. Keep that information for your own records. If you decide to move forward with Hive, you can share it with us so we can coordinate the on-site walkthrough.

3. Be present (or have your contractor present) during the adjuster's inspection.

If a claim is opened, your carrier will send an adjuster to inspect the damage. You are welcome to be present for that inspection, and we recommend you arrange for your roofing contractor to be on-site as well so the adjuster sees the same areas of damage the inspector documented. Our role at that meeting is to walk through what we found in our own inspection — not to negotiate. The adjuster works for your carrier; they make the coverage call.

4. Review the carrier's estimate.

After the adjuster's inspection, your carrier will send you an itemized estimate of what they have determined the claim covers, usually within two to three weeks. Read it carefully. What your carrier covers depends on your policy and their adjustment of the loss. Your deductible is owed per Texas law, and any remaining balance per your contract with your contractor is your responsibility.

If the carrier's estimate does not appear to cover the full scope of damage we documented, you may want to talk to your insurer about a supplemental claim. We can provide updated documentation to support that conversation if you request it — but the conversation with your carrier is yours.

5. Choose your contractor and sign a contract.

This is the point where you decide who is doing the work. If you choose Hive, we will sit down with you, review the scope, walk through the carrier's estimate together so there are no surprises, and put everything in a written contract. You also pick materials and colors at this stage — we will make recommendations if you want them, but the final call is yours.

6. Pay your deductible.

Texas law requires homeowners to pay their full insurance deductible. Your deductible is owed to your carrier per your policy and is part of getting work scheduled. Beware of anyone — contractor or otherwise — who offers to waive, rebate, or absorb your deductible. That practice is illegal in Texas and a major red flag for fraud.

7. We schedule and complete the work.

Once the contract is signed and your deductible is handled, we get our crews scheduled and complete the work. A shipment of roofing materials will arrive the day before installation. Our project manager will walk the site, confirm materials, and check the attic space for anything that could obstruct installation.

8. Installation day.

Our crew typically starts around 7 a.m. and finishes around 7 p.m. on a standard residential replacement. Keep pets indoors and cars off the driveway — the crew needs access to every side of the house. Any additional repairs or other trades are scheduled on separate days after the roof is complete.

9. Walk the finished work with us.

When we are done, walk the property with our project manager. Tell us if anything looks off. Punch-list items get addressed before we consider the job closed.

10. Settle the contract.

Payment to Hive happens per the terms of your written contract with us. You pay Hive directly. We do not collect or endorse insurance checks on your behalf — those funds come to you (and your mortgage company, if applicable) from your carrier, and you decide how to use them to pay the contractors you have hired. If a contractor ever asks to "pick up" your insurance check, that is not normal practice and you should ask questions before handing anything over.

11. Live in your home knowing the work is documented.

Everything is finished. Keep your contract, the inspection report, and any warranty paperwork together — it is useful if you ever sell the home or have a follow-on weather event. Hive is also a licensed general contractor, so if you have other projects around the house down the road, we are happy to come back and take a look.

If you have questions about any step of the process, contact us — no obligation, no pressure.