Roof Insurance Claim Help — Katy & Houston

Adjuster lowballing your claim? Insurance flat-out denying it? We’re a licensed local roofer who meets your adjuster on the roof, photo-documents every hit from the April 12 & May 1 storms, and fights for the scope you’re owed. No pressure. No obligation. Always free.

Mike Terzo is on every single job.

Veteran-owned (USCG). No subs, no runaround — the owner handles your roof personally.

5.0 Stars (31 Google Reviews) Veteran-Owned (USCG) 5-Yr Labor + Lifetime Material

Get Your Free Storm Inspection

We'll document your damage before insurance can deny it.

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(281) 769-3056

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Why Katy Homeowners Choose Terzo

We're not a storm-chasing contractor. We're your neighbors — and we stand behind every job for life.

Veteran-Owned

Mike Terzo, US Coast Guard veteran. We run this business with the integrity we learned in uniform.

One-Day Installs

Most roofs replaced in a single 8-hour day. Crews show up on time and leave your property cleaner than they found it.

Honest Assessments

Mike has talked homeowners OUT of full replacements when a repair will do. That's how we've earned 100% 5-star reviews.

Insurance Claim Help

We meet your adjuster on the roof, document damage with photos, and fight for the scope you're owed.

How We Win Insurance Claims for Homeowners

Adjusters miss damage every day — sometimes on purpose. Here’s how we level the field.

Why Claims Get Denied or Lowballed

Insurance adjusters are paid to minimize the carrier’s payout. They miss hail bruising, dismiss wind-lifted shingles as “wear,” and write scopes that don’t match what your roof actually needs. Without a licensed roofer documenting before the adjuster shows up, you start the claim already losing.

What Terzo Does Differently

We climb the roof first, photograph every hit, every lifted shingle, every cracked vent and bruised flashing, and write a damage report you can hand the adjuster. Then we meet your adjuster on the roof, walk the damage with them, and fight for the full scope you’re owed. If the carrier denies after that, we help you with the supplement or appeal.

Two Recent Storms — Apr 12 + May 1

NWS Houston confirmed 60 mph winds + 1″ hail on April 12 across Waller, Harris & Montgomery, and 1.0–1.5″ hail on May 1 across Sugar Land, First Colony & Missouri City (Fort Bend). If your home was in either path, you likely have a valid claim — but Texas claim windows are 1 year from event date. Don’t wait until the carrier closes the door.

How It Works

Three simple steps. Zero pressure. Always free.

Free Inspection

Mike or a trained tech inspects your roof at no cost and documents every finding with photos.

Insurance Documentation

We give you a full damage report and meet your insurance adjuster on the roof to fight for the scope you're owed.

One-Day Install

Most replacements done in 8 hours. Full cleanup. 5-year labor warranty + lifetime material warranty.

Roof Insurance Claim Help — Katy & Houston

Get Your Free Storm Inspection

Why Katy Homeowners Choose Terzo

Veteran-Owned

One-Day Installs

Honest Assessments

Insurance Claim Help

What Texas Homeowners Say

How We Win Insurance Claims for Homeowners

Why Claims Get Denied or Lowballed

What Terzo Does Differently

Two Recent Storms — Apr 12 + May 1

How It Works

Free Inspection

Insurance Documentation

One-Day Install

Get Your Free Storm Inspection