Your First Steps Once the Storm Passes
- Make sure everyone is safe and stay away from downed power lines.
- Photograph damage from the ground: roof, siding, gutters, windows, fences and vehicles.
- Cover obvious openings if you can do so safely, or call for emergency tarping.
- Keep receipts for any emergency repairs or supplies.
- Call your insurance company or agent to report the claim.
- Schedule a professional exterior inspection.
How Our Storm Restoration Works Statewide
- Inspection: we check the roof, siding, gutters, soffit, windows and trim, not just the obvious damage.
- Documentation: organized photos, measurements and notes on matching and discontinued materials.
- Temporary protection: tarps or board-up when the home is open to weather.
- Adjuster meeting: we can attend to point out what we found.
- Restoration: repairs or replacement matching the approved scope.
- Final review: a walkthrough and paperwork for your records.
What Storm Damage Looks Like on Each Part of the House
- Roof: missing or creased shingles, bruised or cracked shingles from hail, granules collecting in gutters, damaged flashing and vents.
- Siding: cracked or punctured vinyl, chipped fiber cement, panels unlocked or blown off.
- Gutters and downspouts: dents along the front face, crushed elbows, runs pulled from the fascia.
- Windows and trim: torn screens, dented wraps, broken glass and cracked sills.
- Soffit and fascia: panels blown out, exposing the attic to rain and animals.
Much of this is easy to miss from the yard, which is why a full exterior inspection matters even when the roof looks fine.
What Insurance Usually Covers
Most homeowners policies cover sudden damage from wind and hail, minus your deductible. Wear and tear, neglect and slow leaks generally are not covered. Some policies pay replacement cost, others actual cash value, and some have separate wind or hail deductibles. Read your declarations page, and ask your agent if anything is unclear. Our articles on what Mississippi homeowners insurance covers and how to file a storm damage claim go deeper.
Where We Fit in the Claim
We are your contractor, not your insurance representative. We provide evidence, an accurate repair scope and an explanation of what it takes to restore the home correctly. Coverage decisions and payments are between you and your insurer. If your settlement seems to miss damage, we can provide additional documentation to support a request for reinspection.
Every Part of the Exterior, One Contractor
Roof repair and replacement, siding replacement, seamless gutters, soffit and fascia, windows and exterior trim. Handling the whole exterior with one company keeps the scope consistent and avoids gaps between trades. For roof-specific help, see our storm damage roof repair page.
Common Questions
How soon should I have my home inspected after a storm?
As soon as it is safe. Early inspection helps document damage before more weather makes it worse and helps you meet any reporting timelines in your policy.
Does homeowners insurance cover hail and wind damage?
Usually, yes, for sudden storm damage, subject to your deductible and policy terms. Your insurer decides coverage after reviewing the claim.
What if my roof only has minor damage?
Minor damage can still let water in and may still be covered. We document it so you can decide with your agent whether to file.
Can you work directly with my insurance company?
We can meet adjusters, share documentation and provide repair scopes. The claim itself stays between you and your insurer.
How long does storm damage repair take?
Small repairs may take a day. Full roof and siding restoration often runs from several days to a couple of weeks, depending on material availability and weather.