The way insurance pays for roofs has changed. Deductibles are now typically 2% of your home's insured value, and most policies depreciate your roof every year it ages. RoofReady closes that gap: 100% of what you pay into the program goes toward your deductible if you ever have to file — with a vetted local roofer watching your roof the whole time.
See what your insurance really pays How it works Our roofer standardsTen years ago, you paid a modest deductible and the roof was replaced. Today, three things in your policy decide what you actually get:
Wind and hail deductibles in Texas are commonly set at a percentage of your dwelling coverage — not a flat number. As home values climb, so does what you owe first.
Many policies now depreciate roofs at roughly 3% per year — some starting immediately, some after year 7 or 10. Class 4 impact-resistant shingles typically depreciate closer to 1% per year.
Claims have filing windows and proof requirements. Homeowners who can't document their roof's age — or who file even a week late — can see payouts cut or denied.
Slide the numbers to match your home. This is a simplified illustration — your policy controls the real answer.
Members pay $100/month. If you ever need to file a claim, RoofReady puts 100% of what you've paid into the program toward your deductible — and along the way you get inspections on request and free labor on minor repairs.
Plus inspections on request and labor-free minor repairs along the way — so your roof lasts longer and your claim is documented. Illustration only; the membership agreement controls.
A designated roofer walks your roof and documents its condition with photos. That baseline protects you later — it's evidence of what your roof looked like before the storm. Roofs with existing damage aren't accepted until the damage is repaired.
Your $100/month accrues toward your deductible — 100% of it, tracked to the penny in your portal. Nothing is skimmed off the top of what you're credited.
Inspections whenever you ask, and minor repairs with free labor — you cover only materials, at prices capped by program guidelines and never marked up. Small problems get fixed before they become claims.
When a storm hits your area, your roofer mobilizes to members first. If he believes a claim is warranted, he tells you and files a damage report to the program portal — photos, measurements, findings. You file the claim; your roofer is not your adjuster.
If the claim is approved, 100% of what you've paid into the program goes toward your deductible. You still owe your deductible — this is your own accrued money covering it, not a discount, waiver, or rebate.
No. RoofReady is not an insurance policy and doesn't replace your homeowner's insurance. It's a maintenance membership plus a savings fund that helps you handle the parts of a roof claim your insurance doesn't pay.
No — and be wary of anyone who offers to. In Texas it's illegal for a contractor to pay, waive, or absorb your insurance deductible. Your RoofReady fund is your own money, saved over time, that you use toward what you owe.
Your fund balance is yours. The membership agreement spells out how balances are held and returned. (Prototype note: final terms pending legal structuring.)
Membership is with the program, not a single company. Multiple vetted roofers stand behind the service commitment, and funds are held by the program — not in any one roofer's account.
Designated local roofers who are vetted, insured, and assigned by area — so your roofer knows your neighborhood and can mobilize crews after a major storm. See the standards every RoofReady roofer has to meet, below.
You do. Your roofer inspects, documents what he finds, and tells you if he believes a claim is warranted — but the claim is yours to file and your carrier's to adjust. A roofing contractor acting as your claims adjuster is a separate licensed activity in Texas, and RoofReady roofers don't do it.
Then it needs to be repaired before you can join. Every applicant gets an initial inspection that documents existing condition. RoofReady is a maintenance program for roofs in sound condition — it isn't a way to get an already-damaged roof covered.
After a hailstorm, your street fills with trucks you've never seen before. The roofer assigned to you was vetted long before the storm — and stays accountable to the program, not just to the sale.
100% of every payment is credited toward your deductible. The free inspections and labor-free repairs along the way protect the claim itself — the balance is only half the value.
Depreciation estimate assumes ~3%/yr (1%/yr for Class 4) from install; your policy controls the real figure.
Labor on covered minor repairs is free. Materials, if needed, are quoted before any work.
| Member | Address | Roof age | Shingles | Fund balance |
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| Submitted | Member | Address | Request | Urgency | Status |
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Change a status here, then flip to the Customer Portal — the member sees the update. (One shared dataset, like the real thing would be.)
You document what you found and notify the member. The member files the claim — you are not their adjuster.
Kept current or your assignments pause.
| Filed | Member | Findings | Contributions accrued | Status |
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The contributions column is what the member has paid in — it's their money, applied to their deductible if the claim is approved. It is not a credit, discount, or rebate you extend to them.
| Member | City | Roof | Shingles | Fund balance | Last inspection | Next due |
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