Frequently Asked Questions

At All Quality Construction, we want you to feel confident and informed throughout your project. Here are the answers to the most common questions we receive from homeowners in Waxahachie.

How Long Do I Have To File Initial Claim?

In Texas, time limits for insurance supplements and claims are governed by both state law and your specific insurance policy.

• Filing a Claim: You typically have one year from the date of the storm or damage to file a claim in Texas. However, some policies may extend this up to two years.
• Filing a Supplement: There is no single "hard" deadline for a supplement, but most insurers require they be submitted before work is completed or within a reasonable timeframe (often within 180 days to one year) of discovering the additional damage.
• The 90-Day Rule: Once a supplement is requested and all information is provided, Texas law (Prompt Payment of Claims Act) requires insurers to accept or reject the claim within 15 business days.

Why Speed Matters

• Documentation: Discovering hidden damage like rotted decking or inadequate sheathing after the tear-off requires immediate documentation to be successful.
• Policy Deadlines: Waiting too long can result in a denial if the insurer argues they were not given a chance to inspect the overlooked items before they were covered up.

What is a Mortgage Endorsement?

Often times the insurance company wll include the mortgage lender on the initial and supplement checks. The lender must endirse and return these checks prior to release of funds, which can add weeks to you project timeline

What is an insurance supplement, and why is it necessary?

An insurance supplement is a formal request for additional funds beyond the initial claim payout. It is often necessary because initial inspections can miss hidden damage, such as rotted roof decking revealed only after shingles are removed. Supplements also cover building code upgrades required by local ordinances that weren't in the original estimate.

How do you handle hidden damage found during a project?

As soon as additional damage is discovered, we stop work if necessary and document everything with clear photos and videos. We then create a detailed and itemized estimate using industry-standard software to notify your insurance adjuster and request the necessary additional funding.

Will I have to pay for the supplement out of pocket?

Our goal is to ensure your insurance company covers the full scope of repairs. By providing thorough documentation and justifying the added costs through the clains process, we work to minimize or eliminate your out-of-pocket expenses beyond your deductible.

What happens if the insurance company denies a supplement?

If a legitimate supplement is denied, there are dispute resolution options. You may consider hiring a public adjuster or utilizing an appraisal process to resolve the valuation dispute with your insurer.

How long do I have to file for a supplement in Texas?

While some states have multi-year windows, it is best to act immediately upon discovering new damage. Timely notification of your adjuster and submission of documentation are critical to keeping your claim open and moving forward.

Do you offer financing for home projects?Yes! We have partnered with Acorn Finance to provide our customers with a simple and stress-free way to fund their projects. You can check your eligibility in about 60 seconds without any impact on your credit score.

What kind of loan options are available?Through our network of lenders, you can find loan options ranging from $1,000 to $100,000 with terms up to 12 years.

How long does it take to receive the funds?Once you choose an offer and are approved by the lender, funds can be deposited into your account in as little as 1-2 business days.