Texas Supplemental Estimating Service
Statewide Xactimate Supplemental Estimating for Roofing Contractors Across TexasThe Nation's Hail Capital Is Also Its Toughest Claims Market
For the 11th consecutive year, Texas leads the nation in hail damage — and it isn’t close. The state recorded 902 major hail events in 2025, more than double second-place Illinois, and State Farm alone paid roughly $1.4 billion on about 95,200 Texas hail claims that year, averaging $15,000 each. That’s one insurer covering roughly a fifth of the market. For contractors, this scale is both opportunity and problem: carriers writing to record losses have tightened hard, and recent reporting shows nearly 47% of Texas homeowner claims now close without payment. TotalScope’s Texas supplemental estimating service exists to recover the line items adjusters leave out.
TotalScope is headquartered in Boerne and works with roofing contractors across every major Texas market, giving our team firsthand knowledge of how Texas carriers scope claims, apply the 2% wind/hail deductibles now standard statewide, and dispute storm causation on aging roofs.
Our specialists review the adjuster’s scope line by line, document every recoverable item, and prepare Xactimate supplements built to withstand the aggressive carrier review that now defines the Texas market.
The Fastest, Simplest Way to Increase Profits
TotalScope makes Texas supplemental estimating simple. Submit projects through our website, mobile app, email, or CRM integration, and our team manages the entire process — from initial scope review through final carrier resolution and payment.
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Local Coverage Across Every Major Texas Market
Texas is too big and too varied for a one-size-fits-all approach — a coastal hurricane claim in Houston looks nothing like a percentage-deductible hail claim on the South Plains. TotalScope maintains dedicated local expertise across the state’s largest roofing markets:
- San Antonio supplemental estimating — Bexar County, the Hill Country, and percentage wind/hail deductible claims
- Houston supplemental estimating — Gulf Coast hurricane and hail exposure across Harris, Fort Bend, and Montgomery counties
- DFW supplemental estimating — the Metroplex, the single most hail-active claims corridor in the state
- Austin supplemental estimating — Travis and Williamson counties and the fast-growing suburban corridor
- Central Texas supplemental estimating — Waco, Temple, Killeen, and the I-35 corridor
- Lubbock supplemental estimating — the South Plains and West Texas wind-load and 2% deductible market
An Underscoped Claim Costs More in Texas Than Anywhere
With 2% deductibles now standard and nearly half of Texas claims closing without payment, an underscoped estimate costs more here than almost anywhere. TotalScope gives Texas roofers the documentation to recover full claim value.
Why Our Process Works Across Texas
Texas carriers manage the highest hail-claim volume in the country and scrutinize supplements aggressively. TotalScope counters with documentation, current pricing, and Xactimate scopes built to the standard Texas carriers respond to.
- Simple set up, done one time
- Submit claims directly from the field
- Tag projects instantly for our team to review
- Track claim progress in real-time
- Access essential tools and updates on the go
- Increased approvals and profits without extra overhead
Designed for busy roofing professionals, the app makes your workflow faster, simpler, and more convenient—so you can focus on roofing while we handle the claims.
Download the App or Connect With Us to get started today.
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Hear From Roofers Like You
Texas Roofers Deserve Every Dollar Their Jobs Require.
Texas has led the nation in hail damage for over a decade, and every missed line item is money a roofer already earned. From percentage deductibles to code-upgrade recovery, TotalScope brings real statewide market knowledge to every Texas supplement. Explore our process or reach out to our team to get started on your next claim.
Frequently Asked Questions About Texas Supplemental Estimating
Why is Texas the hardest state in the country for roofing insurance claims?
Texas has led the nation in hail damage for 11 consecutive years, recording 902 major hail events in 2025 alone — more than double any other state. That volume has pushed carriers to tighten aggressively: recent reporting shows nearly 47% of Texas homeowner claims now close without payment, and 2% wind/hail deductibles are standard statewide. The combination means initial adjuster scopes are frequently incomplete, and recovering full claim value increasingly depends on a well-documented supplement.
How does the 2% wind and hail deductible affect Texas roofing claims?
Most Texas carriers now apply a 2% wind/hail deductible calculated on Coverage A — the dwelling limit — rather than a flat dollar amount. On a $300,000 home that’s a $6,000 deductible before insurance pays anything, and it can run $6,000–$12,000 depending on rebuild cost. Because the homeowner absorbs that much up front, every recoverable line item above the deductible matters more, which makes accurate supplementing essential rather than optional.
Which Texas cities does TotalScope serve?
TotalScope serves roofing contractors across Texas, with dedicated local coverage in San Antonio, Houston, the Dallas-Fort Worth Metroplex, Austin, Central Texas, and Lubbock, plus statewide support for markets throughout the state. Each local page covers the storm history, carrier behavior, and code requirements specific to that market.
What line items do Texas adjusters most commonly miss?
Across Texas markets, the most frequently omitted items include permit fees, drip edge, starter strip shingles, code-required underlayment, detach-and-reset costs for gutters and HVAC equipment, and overhead and profit. Regional factors — West Texas wind-load requirements, coastal wind documentation, and municipal code differences between metros — create additional supplement opportunities that adjusters working at volume routinely overlook.
Is supplementing insurance estimates legal in Texas?
Yes. Supplementing an insurance estimate is a legal and standard practice in the roofing and restoration industry. Contractors and policyholders have the right to dispute or add to an adjuster’s initial scope when legitimate costs were overlooked. Texas law does prohibit contractors from waiving or absorbing a policyholder’s deductible, so supplements must reflect the full, accurate scope of work. The Texas Department of Insurance provides consumer guidance on the claims process at tdi.texas.gov.