What We Do and What We Don't
We are an exterior contractor, not your insurer or a public adjuster. Our role is to inspect and document the damage to your roof, siding, gutters and windows, provide a detailed repair scope, and meet your adjuster on site so nothing is missed. Your policy and your claim remain yours; decisions about coverage are made by your insurance company, and we encourage you to read your policy and ask your agent about anything unclear.
Step by Step Through a Claim
- Free storm inspection: we check for hail and wind damage on the roof, gutters, siding, windows and soft metals and take dated photos.
- Temporary protection: if water is getting in, we can tarp or patch to prevent further damage, which most policies expect you to do.
- You file the claim with your insurer, using our findings as a reference.
- Adjuster meeting: we attend to point out damage and discuss repair methods.
- Review the estimate: we compare the insurer's scope with what we found and help you request a review if items are missing.
- Repairs: once approved, we complete the work and provide the documentation your insurer requests.
For a homeowner-focused walkthrough, read our guide on how to file a storm damage claim in Mississippi.
Damage Typically Covered
Most homeowner policies cover sudden damage from hail, wind, falling trees and similar events, while excluding wear and tear, neglect, and gradual deterioration. Coverage details, deductibles (including separate wind or hail deductibles) and depreciation rules vary by policy. Our inspection helps separate fresh storm damage from age-related wear so the claim focuses on what qualifies.
Paying for Repairs
You are responsible for your deductible. Many policies pay in stages: an initial payment based on the depreciated value, then the withheld amount after repairs are complete. We explain how that sequence works for your claim before work starts, and our workmanship and manufacturer warranties are explained in writing. If roof damage is part of the claim, see our storm damage roof repair service.
Common Questions
How do I start a storm damage claim?
Schedule a free inspection so you know what was damaged, take your own photos, and then contact your insurance company to open a claim. Keep receipts for any emergency protection measures.
How long does the claims process take?
It varies with the insurer, the extent of damage, and how busy adjusters are after a regional storm. Simple claims can move in a few weeks; complex ones take longer.
Will I have to pay for repairs upfront?
You will owe your deductible. Beyond that, insurance payments are often released in stages, and we will explain the timing and our payment terms in writing before work begins.
What if my claim is denied?
Ask your insurer for the reason in writing. If you believe damage was missed, you can request a re-inspection and provide additional documentation; we can supply our photos and findings to support that request.