Roofing
Storm Damage Roof Repair in Mississippi
What happens after hail or wind hits your roof, step by step: the free inspection, whether to file at all, the adjuster meeting, how the carrier pays, and the build. You decide whether to open a claim. We document either way.
On the roof
You Do Not Have to File a Claim to Get a Look
After hail or wind, the first job is finding out whether the roof is actually damaged. That is a free inspection and it commits you to nothing. Plenty of storms leave a roof that is fine, and knowing that is worth the visit on its own.
If we do find damage, we will tell you roughly how it compares to a typical deductible before you call anyone. There is no reason to open a claim on a repair you would rather just pay for, and a claim on damage that does not clear your deductible helps nobody.
You decide whether to file. We document either way, and you keep the photo report regardless of what you choose to do with it.
We work from 721 Liberty Rd in Flowood, serving Brandon, Flowood, Jackson, Madison, Pearl, Ridgeland, Clinton and Vicksburg. Call 601-724-4282 after a storm and we will tell you honestly when we can get out.
We set expectations up front and we do not over-promise. You approve every dollar before it becomes a bill.
Credentials
Licensed through the Mississippi State Board of Contractors, license 25203-MC. BBB accredited with an A+ rating since 2018. Home Builders Association and Rankin County Chamber members.
After the storm
Repair Versus Full Roof Replacement After a Storm
Some storms create honest localized repair: a few squares of impact, a damaged valley, a cluster of missing tabs on an otherwise sound roof. Storm damage roof repair in that case means matching materials, correcting flashings and restoring weather tightness.
Other storms, or storms on older roofs, make full replacement the only path that protects the house. Widespread bruising, multiple slopes hit hard, or a shingle field already near end of life are common reasons. We say which path we recommend and why.
Full steep-slope systems after storms run through our residential roofing standards, installed to manufacturer requirements when the claim covers a full system. Smaller non-storm leak work runs through roof repair.
Step by step
How a Roof Claim Actually Works
Most homeowners have never filed a roof claim and nobody explains the order things happen in. Here is the whole path, including where the money moves.
- Get the roof inspected first. Before you call the carrier, have a licensed contractor tell you whether there is damage and roughly what it amounts to. Ours is free and carries no obligation.
- Decide whether to file. If the damage clearly exceeds your deductible, a claim usually makes sense. If it does not, we will quote the repair and you can skip the claim entirely.
- Call your agent or carrier. They set an adjuster appointment. Tell them your contractor will be there.
- We meet the adjuster on the roof. Two sets of eyes on the same slopes, with our photo report in hand. Damage that gets missed at this meeting is the single most common reason a homeowner ends up with a repair approval when the roof needs a system.
- The carrier writes the estimate. Your first check is usually the ACV amount, which holds back your deductible and any recoverable depreciation.
- Your mortgage company may need to endorse the check. If you carry a mortgage, this step catches people out and delays scheduling. Send it off early.
- We agree the scope and schedule the build. You get a written scope of the work before anything starts.
- Tear-off, build, and any supplement. If we find soft decking or damage that was hidden under the old roof, we photograph it and submit it. Approved supplements release the rest of the money, and the final invoice follows the final check.
On a covered claim, your out-of-pocket cost is your deductible plus anything you chose to upgrade. Premiums, depreciation rules and policy limits are between you and your carrier. We are the contractor documenting and building the roof, not your public adjuster.
On the roof
While the Claim Moves
What Hail and Wind Do to Roofs Here
Hail bruises asphalt shingles, knocks granules loose and can crack tabs. Soft shingles already cooked by Mississippi heat show damage more easily than newer, more flexible product. Metal dents, ridge vents crack and skylight glazing can fail in the same event.
Wind lifts tabs, peels starter courses and drives rain under edges that shed fine in gentle weather. Lost shingles on one slope often come with creased tabs nearby that will fail in the next storm if left alone.
Flashings, gutters and chimney caps take hits that are easy to miss from the ground. A clean-looking field can still hide bent step flashing or a crushed vent boot. Roof-level inspection matters.
Low-slope commercial membranes bruise, puncture and lose edge metal. If your building is flat, pair this process with our flat roof repair and commercial roofing capabilities once the claim path is clear.
Plain English
The Four Words That Confuse Everybody
Carrier paperwork uses four terms that decide what lands in your bank account and when. None of them are complicated once someone says them plainly.
Deductible
The part you pay, set by your policy. On a covered claim it is your out-of-pocket cost. We do not pay it for you as a kickback and we do not pad a scope to bury it.
ACV
Actual Cash Value. What the roof is worth today, after age and wear are subtracted. Your first check is usually the ACV amount, minus your deductible.
Depreciation
The value subtracted for age. Most policies call it recoverable, which means you get it back once the work is finished and invoiced. That is the second check.
Supplement
Damage nobody could see until the old roof came off. We photograph it, submit it, and wait for approval or your written go-ahead before doing that part.
Put simply: the carrier usually pays in two parts, before and after the work. The gap between them is the depreciation, and it comes back to you when the roof is done.
Keeping the Water Out While the Claim Moves
Carriers take time to schedule an adjuster and materials take time to arrive. A tarp or emergency dry-in keeps the inside of the house out of it in the meantime. It is not the repair, and it needs checking if the weather keeps coming.
Safety decides what we can do. A steep roof, an active storm or a structure that does not pass a basic check means waiting for conditions we can work in. We will not put a crew somewhere we would not send our own family.
If somebody has already tarped it, tell us. Sometimes a tarp is holding water on the roof instead of shedding it, and we would rather find that out before we plan the permanent fix.
More roofing services
Residential Roofing
Learn moreCommercial Roofing
Learn moreRoof Repair
Learn moreMetal Roofing
Learn moreFlat and Low-Slope
Learn moreStorm & Insurance Claims
Learn moreService areas
Common questions
Will you meet my insurance adjuster?
Yes, when scheduled. We bring findings and photos so the conversation stays on the roof, not on guesswork.
Do you charge for storm inspections?
Ask the office when you call. Many storm inspections are free evaluations. Complex commercial scopes may differ.
What if my claim is denied?
We still show you what the roof needs and quote it. You can pay out of pocket, appeal with better documentation, or phase the work over time. A denial does not mean the roof is fine, and it does not mean we stop being useful to you.
Should I file a claim at all?
Only if the damage clearly exceeds your deductible. We will give you an honest read on that before you call anyone, because a claim on damage that does not clear your deductible helps nobody and still goes on your history.
Why does my contractor need to be at the adjuster meeting?
So the same slopes get looked at once, together, with the photo report in hand. Damage missed at that meeting is the most common reason a homeowner ends up approved for a patch when the roof needs a system.
Why do I get two checks?
Most policies pay the Actual Cash Value first, holding back your deductible and the depreciation. Once the work is finished and invoiced, the depreciation is released as a second check. The gap between them is not a shortfall, it is timing.
Can you tarp after storm damage?
When access and safety allow, we can help stabilize the building until permanent repairs are scheduled.
How fast should I call after hail?
As soon as it is safe. Early inspection documents damage before repairs by others or further weather confuse the file, and it helps you get in line while storm volume is high.
Who actually builds the roof after a storm?
Our regular crews, run by an owner and a superintendent, to the manufacturer standards for whatever system the claim covers. Other products follow their own warranty paths.