For Bexar County homeowners dealing with roof damage, bids, or insurance

A bad roof is not one decision. Build the file before choosing a path.

Separate danger from damage, make roofing bids comparable, preserve the insurance record, and model repair against a current-condition sale.

Free No account or contact information Private on this device
Who made this site?

Bexar County Home Buyers, a private home-buying company. The tools are free and do not send us your answers. Discussing a possible purchase is a separate choice.

Do the right work in a clear order.

01

Protect people before property

Stay away from water near electricity, falling ceilings, unstable structure, fire, gas, and restricted areas.

02

Document without climbing

Use safe photos and video, discovery dates, weather records, interior damage, notices, calls, and temporary-work receipts.

03

Define cause before coverage

Age, wear, maintenance, wind, hail, trees, installation, and interior damage may be treated differently.

04

Normalize every bid

Ask every contractor to price the same planes, removal, decking, flashing, ventilation, penetrations, permit, inspection, cleanup, and warranty.

05

Build the insurance file

Keep the policy, notice, claim, adjuster contacts, estimates, depreciation, deductible, decisions, payments, and receipts.

06

Compare the complete outcome

Include cash, uncovered scope, delay, carrying costs, post-repair value, sale costs, and a written current-condition option.

Tool 01 · immediate safety

Is this a roof estimate—or an emergency?

Choose every statement that is true. This tool stays on this device and does not inspect the building.

Tool 02 · normalize the bids

Make three roofing proposals answer the same questions.

A low total can hide different roof areas, decking allowances, permit handling, disposal, ventilation, flashing, or warranty terms. Enter only figures stated in writing.

Bid 1

Comparable entered cost$0Add roof squares to normalize

Bid 2

Comparable entered cost$0Add roof squares to normalize

Bid 3

Comparable entered cost$0Add roof squares to normalize

Require a written yes/no for each bid

Exact roof planes and measured squaresTear-off layers and disposalDecking unit price and allowanceUnderlayment and ice/water protectionFlashing, valleys, penetrations, and drip edgeVentilation changesPermit applicant and inspection closeoutMaterial brand, product, and warrantyWorkmanship warranty and responsible companyPayment milestones, cleanup, and lien releases
Tool 04 · private claim and repair file

Build the record before memories and materials disappear.

No address, policy number, or contact information is requested. Your checkmarks remain only in this page session.

0% organized
Tool 03 · compare complete paths

Repair and sell versus sell in current condition.

This is a planning model—not an appraisal, insurance determination, contractor estimate, or offer. Use written figures and run conservative cases.

Repair path

Current-condition path

One thing at a time.

Protect

What to do

  • Leave immediate danger and call 911 when appropriate.
  • Prevent additional damage only when it is safe.
  • Do not climb onto a wet or damaged roof or enter an unsafe attic.
Build the file

What to do

  • Document condition and chronology.
  • Report through the insurer's verified channel.
  • Obtain comparable scopes and verify contractors and permits.
Decide

What to do

  • Separate urgent, recommended, and optional work.
  • Compare cash, time, risk, and net proceeds.
  • Keep inspections, lien releases, warranties, and closure proof.

Safety comes first.

Call 911 for fire, gas, electrical danger, collapse, or an immediate threat. Do not climb onto a wet or damaged roof or enter an unsafe attic. A web page cannot determine structural safety.

Clear answers to get started.

Confirm dates, rights, and requirements with the responsible agency or qualified professional.

Should I tarp the roof myself?

Not if doing so requires climbing, entering an unsafe attic, or approaching electricity, unstable structure, or a storm. Use qualified help.

Will insurance pay for replacement?

Only the insurer can decide coverage under the policy, cause, condition, notice, deductible, and evidence. A contractor cannot promise coverage.

How do I compare bids?

Use the same scope and require materials, quantities, removal, decking, flashing, ventilation, permits, inspections, cleanup, changes, payments, and warranties in writing.

Should I sign an authorization immediately?

Do not sign because of pressure. Review scope, price, payments, cancellation, insurance, changes, liens, and who receives funds.

Can I sell without replacing the roof?

It may be possible, but compare disclosure, access, insurance, buyer financing, title, costs, and written net proceeds.

Does this tool estimate my roof?

No. It organizes figures you provide; it does not measure the roof, diagnose damage, decide coverage, bid work, appraise, or make an offer.

Protect, document, define the scope, verify, and compare.

Use the free tool first. If you later want to discuss selling the property in its current condition, that conversation is optional and separate.