Texas Roofer Exposes Why Most Storm Claims Get Denied

The latest episode of The Building Texas Show, titled Your Roofer Showed Up After the Storm. That's the Problem, published September 15, 2026, features host Justin McKenzie interviewing Jasper Shin of Texas Roof Guardians at the San Antonio Home and Garden Show. The conversation comes as San Antonio recovers from five hail storms in one year and Hill Country homeowners find new leaks after historic rains. The central issue: why 60 to 70 percent of roof insurance claims are denied, and what Texas homeowners can do before contacting their carrier.

Shin explains the details of a modern roof claim and the pitfalls that cost homeowners thousands. He covers the importance of a full-property inspection—including windows, screens, gutters, siding, and fences, not just shingles—the three-reinspection rule most homeowners never learn about, Xactimate supplements to secure fair-market pricing from adjusters, the mortgage-company check split that delays repairs, and why installing solar on a roof older than seven years is, in Shin's words, asking for leaks. Shin is direct about the incentive structure: "The insurance is incentivized to not pay you to say you don't have damage," he tells McKenzie, noting that the average claim file is missing $3,000 to $5,000 in legitimate damages. He cites cases where supplements added $10,000, $15,000, even $30,000 to approved claims. He also warns about a single innocent question from a carrier—"Well, why did you wait?"—which, if answered wrong, can lead insurers to invoke the mitigation clause and deny the claim for negligence before an adjuster ever inspects.

The episode also addresses the storm-chaser problem in Texas metros from San Antonio and Austin to Dallas and Houston. Shin explains why Texas Roof Guardians stayed local rather than chase hail in Chicago, Montana, and the Carolinas, and how homeowners can validate a contractor through GAF, Owens Corning, and Atlas certifications, a legitimate Google Business Profile, and Better Business Bureau standing. He shares a Stone Oak client whose insurer converted her policy at the 10-year mark, leaving her $15,000 short on a $25,000 replacement, and outlines the company's free policy review, free biannual inspection subscription, and white-glove service from Kerrville to Seguin, along I-35, and into Pearsall, Uvalde, and Victoria. The Building Texas Show, hosted by Justin McKenzie, spotlights the operators, tradespeople, and entrepreneurs shaping Texas communities. This episode is available wherever podcasts are heard, and at txroofguardians.com or 726-244-5844 for a free policy review.