Claims practices, underwriting shifts, and storm-file realities for contractors.
IBHS has confirmed in Technical Bulletin FH 2026-03 that FORTIFIED homes with asphalt shingles on any required roof area can stay eligible for only 15 years, starting with applications submitted Jan. 1, 2027.
On Sept. 29 the Texas Department of Insurance moved to clarify that carriers can’t decline or nonrenew homeowners coverage just because the house or roof is old — but can still judge condition. Hearing Nov. 3; comments due Nov. 9.
Oklahoma AG Gentner Drummond’s June 2026 Hail Focus lawsuit puts State Farm claim practices under statewide scrutiny. Here’s what storm shops should lock into every file.
Oklahoma sued State Farm and Allstate over wind and hail practices. Illinois and California are pressing too. Contingency-only storm contracts are getting dangerous.
Customers hear ACV and RCV and shut down. Use this plain-English script so estimators keep trust and jobs moving.
Storm volume can starve a shop of cash even while revenue looks huge. Avoid deposit, draw, and ACV traps that break payroll.
Hail claims live or die on documentation quality. Here is what adjusters consistently look for in roof packages.
Supplements die on weak photos. A repeatable field photo workflow turns site conditions into approved dollars.
Percentage deductibles change customer math and close rates. Estimators need a clean way to explain them without slowing the job.
Matching rules reshape scope, price, and timelines on insurance reroofs. Estimators who ignore them eat supplements and callbacks.
Deductibles, ACV vs RCV, and tighter underwriting — from the contractor, the carrier, and the homeowner.
Eagleview’s One platform swapped static PDFs for interactive 3D models in 2025, then added full-exterior measurements in March 2026. Here’s what that means for estimating, insurance work, and ladder time.
