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 helps you save toward that gap — with a trusted local roofer watching your roof the whole time.
See what your insurance really pays How it worksTen 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. Half of it — $50 every month — accrues in a fund that belongs to you, earmarked for your roof. The rest covers your annual inspection, free-labor repairs, and program operations.
Plus every annual inspection and labor-free minor repair along the way — so your roof lasts longer and your claim is documented.
$50 of every $100 payment accrues in your name, earmarked for your deductible and roof costs. It's your money — tracked to the penny in your portal.
An annual inspection, documented with photos, plus minor repairs with free labor — you only cover materials. Small problems get fixed before they become claims.
Your roof's age and condition are documented, your fund is there for your deductible, and your roofer already knows your roof. No door-knockers, no scramble.
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.
Every labor-free repair and documented inspection along the way also protects the claim itself — the fund is only half the value.
Depreciation estimate assumes ~3%/yr (1%/yr for Class 4) from install; your policy controls the real figure.
| 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.)
| Member | City | Roof | Shingles | Fund balance | Last inspection | Next due |
|---|