Yes, we take claims in El Paso. Our office is in Belton, on the other side of the state, so we don't offer same-day visits. Instead, we review your policy and the insurer's estimate by phone, then schedule an on-site inspection and plan it to capture everything in one visit: roof, interior, moisture readings, drone photos and a 3D scan. The rest of the claim, including negotiation, we handle remotely, and we come back when a re-inspection or appraisal needs us there.
How we handle a claim from across the state
- Free review by phone or text. Send your declarations page, the insurer's estimate if you have one, and your own photos. We tell you whether the claim looks underpaid and whether hiring us makes sense.
- Protect the property locally. Distance means you shouldn't wait on us for emergency work. Hire a local roofer to tarp or patch and a local mitigation company to dry out wet areas, and keep the invoices and moisture logs.
- Scheduled on-site inspection. We travel to the property and document it completely: roof-level and drone photos, a Matterport 3D scan of the interior, and moisture meter readings.
- Estimate and negotiation. We write a line-by-line Xactimate estimate from that inspection and work it with your insurer by phone and email.
- Return trips when they matter. If the carrier schedules a re-inspection, sends an engineer, or the claim goes to appraisal, we plan another visit.
To make the on-site visit count, have these ready before we arrive: the full policy with all endorsements (not just the declarations page), the insurer's estimate and any engineer or inspection report, invoices from emergency repairs and drying, your own photos with dates, and a list of rooms and items affected. If the building is commercial or rented, arrange roof and unit access ahead of time. With that in hand, one trip is usually enough to write a complete estimate.
Monsoon storms and the flood line
El Paso's summer monsoon storms can be short and intense: heavy rain, wind, sometimes hail, and water moving fast down streets and arroyos. When water ends up inside a building, the first question on the claim is how it got there.
Often handled under a homeowners policy
- Rain entering through a roof opening created by wind or hail
- Water through a hail-broken skylight or window
- Interior damage below a torn membrane or lifted parapet cap
Usually needs flood coverage (NFIP or private)
- Surface water flowing in from the street, yard or an arroyo
- Mud and debris carried in by runoff
- Water rising in through doorways at ground level
Water that backs up through drains or sewer lines is a third category; many policies cover it only with a separate endorsement. If both roof water and surface water got in, we document each path separately so the insurer can't assign the whole loss to the excluded one. Our water damage claims page covers how these losses are documented and dried.
Flat roofs, parapets and stucco
A lot of El Paso housing and commercial property has low-slope roofs hidden behind parapet walls, with built-up, modified bitumen or coated surfaces, scuppers or canales for drainage, and stucco exterior walls. These buildings have their own claim problems:
- The ponding argument. Insurers often say a flat roof leaked because water ponded or the coating aged in the sun. Hail punctures, split seams and displaced parapet caps are storm damage, and they need close-up photos to prove it.
- Hidden membrane damage. Hail can fracture a membrane or bruise the insulation board under it without obvious marks on the surface. Test cuts or cores may be needed to show it.
- Coating versus replacement. A carrier may price a recoat when the damaged membrane underneath needs replacement. The estimate should match what's actually under the coating.
- Stucco. Hail can chip and crack stucco, and wind-driven debris can gouge it. The insurer may call cracks settlement. Fresh breaks, spatter marks and damage concentrated on the storm-facing walls support a storm claim.
Wind and blowing dust
High winds in the region can peel up membrane edges, loosen parapet coping, tear window screens and knock rooftop evaporative coolers and AC units out of position. When wind opens the building, dust comes in with it, coating attics, ductwork and contents. Cleaning is part of the loss when it follows a covered opening; dust that seeps in through normal gaps is usually treated as maintenance. Note when the dust appeared and where it entered.
What to do after a storm in El Paso
- Photograph where water entered: the ceiling, the roof above it, and any water line at doorways
- Get emergency repairs and drying done locally, and keep every invoice and moisture reading
- Check whether you have flood coverage and a water backup endorsement
- Photograph the roof surface, parapet caps, scuppers and rooftop units before patching
- Report the claim, note the claim number, and keep a log of every call
- Send us your declarations page and the insurer's estimate for a free review
We work these losses through our roof and hail claims and denied and underpaid claims services. Our fee is a percentage of the claim payment, capped by Texas law at 10%. The claim review is free, and there is no upfront fee.
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Frequently asked questions
Can a public adjuster based in Belton really handle my El Paso claim?
Yes. We review the claim remotely, then travel for a scheduled on-site inspection and plan return visits for re-inspections or appraisal. Emergency repairs and drying should be done by local companies right away.
Does homeowners insurance cover water that came in during a monsoon storm?
It depends on the path. Rain through a roof opening created by wind or hail is often covered. Surface water flowing in from outside is flood, which needs an NFIP or private flood policy.
The insurer says my flat roof leaked from ponding, not the storm. Can I dispute that?
Yes, if there is storm damage to show. Close-up photos of punctures, split seams or displaced parapet caps, and test cuts where needed, can establish the cause. See our guide to denied hail claims.
Are hail cracks in stucco covered?
Storm damage to stucco is generally covered, subject to the deductible and policy terms. The dispute is usually whether cracks came from hail or from settlement, so fresh breaks and damage on the storm-facing walls matter.
