The claims nobody
is watching.

What it tends to cost

Verisk put the average residential roof replacement claim at $17,631 in 2025. That's the unit you're losing when a file goes quiet and the homeowner drifts to whoever called them back.

Texas puts the carrier on a clock, which helps you only if somebody is watching it. The acknowledgment window is 15 days, and a late payment accrues 18% a year. None of that does you any good if nobody in your office knows what date a claim is sitting on.

The second half of this leak is quieter and shows up on the invoice. If the crew installed items that never made it into the file with photos, you did the work and didn't bill it. That's not a coverage dispute. It's paperwork completeness, and it's entirely inside your control.

A better plan

Every claim gets a stage, a date, and a next date. Then somebody pulls the list of claims untouched for 14 days, every week, and works it. That single weekly list is most of the fix.

Before the final invoice goes out, compare installed scope against approved scope with a photo-backed checklist. Every job, not just the big ones, because the small ones are where it slips.

One boundary worth stating plainly, because it matters legally. I don't negotiate coverage and I'm not an adjuster. In Texas a roofing contractor can't act as a public adjuster on a claim they're also working. Everything above is about whether your own records are complete, and nothing in it touches the carrier's decision. Anything about deductibles goes to your attorney.

Check this yourself this week

Export your open claims with the claim fields included. Sort by last status change. Count the ones untouched for two weeks, and multiply by your average insurance job.

Then pick three finished jobs at random and compare what the crew installed against what the carrier approved. If all three match, your close-out is in good shape and you can stop here.

The napkin version

Ten minutes with your own numbers, no spreadsheet needed:

Claims untouched for more than 14 days, times the share you'd expect to die in the pipe, times your average insurance job, times your gross margin.

Count a job you didn't sell at gross profit, because you never bought the materials. Count money you already earned at full value.

It'll be rough. That's the point. A rough number you worked out yourself is worth more than a precise one somebody sold you.

What the assessment does differently

The Leak Assessment reads your claim stage dates, supplement status, and ACV and depreciation fields, and sizes what's actually stuck using your own average job rather than Verisk's. It also tells you whether your close-out routine is the problem or whether it's fine and something upstream is the real leak.

Haven't taken the scorecard yet? It's twelve questions and about three minutes.