Walk enough residential roofs in this market and a pattern hits you in the face: the deductible is eating the deal.
USAA homeowner in Royse City. Special hail rider. Deductible running around two and a half percent, which on his policy meant close to twenty thousand dollars. The roof did not cost much more than that. Another homeowner, five thousand dollar deductible, motivated only because he didn't want to pay it. Across a run of inspections I watched deductibles land between two and five percent, often equal to the entire cost of the roof.
If you don't qualify for that before you knock, you are burning fuel and daylight.
Most reps chase damage. Smart reps chase economics. Damage plus a workable deductible is a deal. Damage plus a deductible that equals the roof is a conversation about switching carriers, not signing a contract.
So I qualify early. What carrier. What deductible. Percentage or flat. Any riders. Two questions at the door save you a wasted afternoon and a homeowner who feels sold instead of served.
The roof can be annihilated and still not be a deal. Learn the difference before you waste the trip.