Step One: A Thorough Storm Inspection
We check every slope for hail bruising, granule loss and wind creasing, then look at soft metals such as vents, gutters and flashing for dents that help confirm the storm. In the attic we look for new water stains. Everything is photographed and labeled by location.
Understanding Your Policy
Before filing, review your declarations page for two things: your deductible, and whether roof coverage is paid at replacement cost or actual cash value (ACV). Replacement cost policies typically pay to replace the roof minus the deductible, sometimes in two payments. ACV policies subtract depreciation for the roof's age. Our guide on how to file a roof insurance claim in Mississippi walks through the process.
Working With the Adjuster
The adjuster inspects and writes the claim estimate. Having our photos and notes on hand helps make sure visible damage is not overlooked. If items are missing, a supplement request with supporting documentation may be appropriate. The insurer makes all coverage decisions.
Repair or Replacement, and Cost
Scattered wind damage may be repaired; widespread hail damage usually calls for replacement. Full replacements in Jackson have often run from about $9,000 to $24,000 or more, depending on size, complexity, materials and decking. For leaks needing urgent attention, see our storm damage roof repair page or our Jackson roof repair services.
Common Questions
How much does a storm-related roof replacement cost in Jackson, and will insurance pay?
Replacements have often ranged from about $9,000 to $24,000 or more. If a covered storm caused the damage, your policy may pay most of it minus the deductible, depending on whether it pays replacement cost or ACV.
Can I just repair storm damage instead of replacing the roof?
If damage is limited and the surrounding shingles are healthy, yes. Widespread hail bruising generally makes a repair a short-term fix.
How long does repair or replacement take in Mississippi heat?
Small repairs take a few hours; most replacements take one to two days. In peak summer, crews start early to avoid the hottest part of the day.
Does homeowners insurance cover leaks from wind or hail?
Typically yes when the damage is sudden and storm-related. Leaks from age or lack of maintenance are generally not covered.
Should I wait for the adjuster before making repairs?
Take reasonable steps to prevent further damage, such as tarping, and keep receipts and photos. Permanent repairs are usually best done after the adjuster has seen the damage, but check your policy and talk with your insurer.