Why Georgetown claims end up in appraisal
Williamson County takes hail from storms that build over Burnet and Llano counties and track east across Liberty Hill, Georgetown and Hutto. The city's housing growth concentrates the damage: a single storm can hit thousands of roofs installed by the same builders with the same shingle lines, now discontinued. Carriers approve partial scopes that leave two-tone roofs the homeowners associations will not accept. The February 2021 freeze burst lines across Georgetown's new construction, where PEX run through unconditioned attics failed, and across Sun City's single-story homes, where slab-level supply lines froze. Carriers paid those as single-room losses on homes where water ran the length of the house.
Georgetown housing stock and the scope fights it creates
Sun City's roughly ten thousand homes were built in waves from the mid-1990s onward with a limited set of roof products, so a hail event there is a matching problem at community scale; the association's architectural standards are part of the record we build. The historic district around the square carries 1880s through 1920s limestone and frame buildings with standing-seam metal and slate roofs, where preservation requirements and specialty-material matching drive the amount of loss. The newer communities, Wolf Ranch, Teravista, Berry Creek and the subdivisions along Ronald Reagan Boulevard, carry laminated shingles on complex roofs where discontinued colors, steep-slope labor and code corrections on builder-grade installations dominate.
Umpire appointment in Williamson County
Williamson County's district courts and county courts at law sit in Georgetown and appoint umpires on motion when the appraisers cannot agree, after ten days' written notice to the other party. We prepare the notice and the request. We also serve as neutral umpire on Williamson County losses where we have no relationship with either party or appraiser.
Where we go
Georgetown, Sun City, Round Rock, Leander, Hutto, Taylor, Cedar Park, Liberty Hill, Jarrell and the rest of Williamson County.
Questions from Georgetown policyholders
I live in Sun City and the carrier approved two slopes. Will the association accept that?
Usually not, and that matters. Where the policy covers matching or a reasonable match is unavailable, and the association's standards require uniform appearance, the appraisers consider full replacement in determining the amount of loss. We include the association's written standards in the submission.
My Georgetown home is new construction and the carrier says the roof damage is installation defects. Can appraisal help?
If the carrier accepted the storm and is carving out items as defects, the amount of covered storm damage is an appraisal question and the panel decides it on the evidence. If it has denied the storm as a whole, that is a coverage dispute. Send us the letter and we will tell you which it is.
Joseph DittmanCertified insurance appraiser and umpire; licensed Texas public and independent adjuster. 463 appraisals closed in 2025, eight years of carrier-side adjusting, six years in construction. Serves as policyholder-appointed appraiser and as umpire statewide. Full bio