Why Claims Come Up Short
- Damage on one slope or elevation was not inspected.
- Hail marks were judged to be wear rather than storm damage.
- Required items such as drip edge, flashing or ventilation were left off the estimate.
- Matching or discontinued materials were not addressed.
- Hidden damage was only found after tear-off.
Requesting a Reinspection
If you believe damage was missed, you can ask your insurer for a reinspection. Strong requests are specific: they point to the exact areas and include clear photos and measurements. We assemble that evidence from our own inspection and, if you like, attend the second visit to show the adjuster what we found.
Supplements During the Job
Sometimes the gap appears mid-project, for example rotten decking under the old roof or damaged sheathing behind siding. We stop, photograph it and give you the documentation to submit as a supplement before continuing. That way nothing is buried without a record. Our New Albany storm damage guide covers the full repair process.
What We Can and Cannot Do
We provide evidence, repair scopes and on-site support. We cannot negotiate your claim, interpret your policy as a legal matter or act as your public adjuster. If a dispute continues after reinspection, your policy may describe further options such as appraisal; ask your agent or a qualified professional. Meanwhile, we can keep the home protected with temporary repairs. Learn what policies usually cover in our article on Mississippi homeowners insurance and storm damage.
Common Questions
What storm damage does insurance usually cover?
Typically sudden wind, hail and falling-tree damage, subject to your deductible. Wear, maintenance issues and long-term leaks usually are not covered.
Can I still get repairs done while my claim is disputed?
Yes. We can make temporary repairs to prevent further damage and keep records of the work for your claim.
Do you charge to help with a reinspection request?
Our inspection and documentation are free. If the claim is approved and you hire us, the repair work is billed according to the approved scope and any upgrades you choose.
Why was my claim denied as wear and tear?
Adjusters sometimes attribute storm marks to age, especially on older roofs. Clear photos showing fresh, random impacts and matching damage on gutters and vents can help show the storm caused it.
How long does the repair process take?
Once approved, most roof and siding projects finish within one to two weeks, depending on scope, materials and weather.