A roofing specialist carefully photographing and documenting storm damage for an insurance claim

Insurance Claims

Stress-free storm damage claims.

  • Veteran-owned
  • Five-state service
  • Free inspection

What to know.

A storm claim depends on clear documentation. A contractor inspection can identify visible damage before the property owner contacts the carrier, and the contractor can explain the proposed repair scope during the carrier inspection. Coverage decisions, policy interpretation, and claim representation remain with the carrier, policyholder, and any properly licensed adviser they engage.

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What CMAC does and does not do

CMAC is a contractor, not a public adjuster and not a law firm. We do not interpret your policy or represent you in a dispute with your carrier. We can document visible damage, attend the carrier inspection to explain the proposed contractor scope, and then build the work authorized by the property owner.

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Common mistakes

  • Filing before anyone has looked at the roof. A denied claim still goes on your record.
  • Waiting too long. Policies carry deadlines for reporting storm damage, and once the window closes, damage from that event is your problem.
  • Assuming the first scope is final. Adjusters work fast and miss things, particularly hail bruising, damaged gutters, garage door dents, and window screens.
  • Signing a contingency agreement without reading it. Know what you are agreeing to before a claim is even filed.
  • Taking a bid that beats the insurance scope by a wide margin. That gap has to come out of the installation somewhere.

Common questions

Will CMAC work with my insurance company?

CMAC can document visible damage, provide a contractor report, and attend the carrier’s inspection to explain the proposed repair scope. CMAC is a contractor, not a public adjuster or law firm, and does not interpret policy coverage or represent a policyholder in a coverage dispute.

Should I file my claim before or after the inspection?

Get the inspection first. Filing a claim without knowing what the damage actually is puts you in the position of arguing from a weaker footing, and a claim that gets denied still sits on your record. CMAC inspects first, documents visible and hidden damage, and gives you a professional report. Then you call your carrier with facts in hand.

What happens with my deductible?

Your insurance policy and applicable state law govern the deductible. Do not accept a promise to hide or misrepresent a deductible on project documents. Ask your carrier or a qualified local adviser about your obligations, and make sure the contract and invoice accurately describe what you pay.

My roof looks fine from the ground. Could it still be damaged?

Frequently, yes. Hail bruises the mat underneath the granule surface, and that bruising is often invisible from the ground and sometimes hard to see from a ladder. It shortens the roof’s life and creates the leaks you will discover a year or two later, after your claim window has closed. That is why documented post-storm inspections matter.

What kind of company is CMAC?

CMAC Roofing and Sheet Metal LLC is a veteran-owned and operated construction and remodeling company founded by Christian Viveiros. We handle roofing, gutters, garage doors, restoration, and exterior work for residential, commercial, and multi-family properties. We are a GAF Master Elite® certified contractor and a GAF President’s Club award winner.

What states does CMAC serve?

Five: Texas, Oklahoma, Arkansas, Tennessee, and Georgia. CMAC publishes office addresses and local contact information for Dallas–Fort Worth (Haslet), Houston (Rosenberg), Austin (Georgetown), Oklahoma City, and Nashville. Arkansas and Georgia inquiries route through the regional line; no walk-in office is published in either state.

What are CMAC’s core principles?

Earn the customer’s trust, use only quality materials, and deliver exceptional workmanship. The company operates under the motto “Integrity Truly Matters,” and the practical version of that is simple: document what we find honestly, quote what the job actually requires, and stand behind the work after the crew leaves.

What does GAF Master Elite® mean?

GAF awards Master Elite® status to a small fraction of roofing contractors in North America. It requires proof of proper licensing, adequate insurance, and a sustained record of quality installations and customer satisfaction. Practically, it means CMAC can offer enhanced GAF system warranties that non-certified contractors cannot, and that GAF has independently vetted the company. CMAC is also a GAF President’s Club award winner.

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