Why 60-70% of Roof Claims Get Denied, and How Texas Homeowners Fight Back

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 sitting down with Jasper Shin of Texas Roof Guardians on the floor of the San Antonio Home and Garden Show. The conversation lands as San Antonio absorbs the aftermath of five hail storms in a single year and Hill Country homeowners rediscover leaks after historic rains. At the center of the discussion: why 60 to 70 percent of roof insurance claims get denied, and what Texas homeowners can do before they ever pick up the phone to their carrier.

Shin walks listeners through the mechanics of a modern roof claim and the traps that quietly cost homeowners thousands. Topic threads include:

• The full-property inspection covering windows, screens, gutters, siding and fences, not just shingles
• The three-reinspection rule most homeowners never learn they have
• Xactimate supplements and how to force fair-market pricing from an adjuster
• The mortgage-company check split that stalls repairs
• Why installing solar on a roof older than seven years is, in Shin's words, asking for leaks

Shin is blunt about the incentive structure homeowners are up against. "The insurance is incentivized to not pay you to say you don't have damage," he tells McKenzie, adding that the average claim file is missing $3,000 to $5,000 in legitimate damages. He describes cases where supplements have added $10,000, $15,000, even $30,000 to approved claims. He also warns homeowners about a single innocent question from a carrier: "Well, why did you wait?" Answer it wrong, Shin explains, and insurers can invoke the mitigation clause buried in most policies and deny the claim for negligence before an adjuster ever climbs a ladder.

The episode goes deep on the storm-chaser problem plaguing Texas metros from San Antonio and Austin to Dallas and Houston. Shin explains why Texas Roof Guardians chose to stay local rather than chase four-inch 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 details a Stone Oak client whose insurer quietly 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, up and down 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. Each episode digs into the practical realities of building, protecting and growing a home or business in the Lone Star State, with candid conversations that arm listeners with information they can act on. This episode is available now wherever podcasts are heard, and at txroofguardians.com or 726-244-5844 for a free policy review.

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