A Step-by-Step Guide to Filing Roof Insurance Claims

Filing a roof insurance claim can feel overwhelming, especially when you're already dealing with storm damage. But knowing the right process — and having the right help — can make the difference between a denied claim and a fully approved roof replacement.

Step 1: Document Everything Immediately

As soon as it's safe after a storm, take photos and videos of any visible damage. Include date stamps if possible. Document not just your roof but also your siding, gutters, windows, and any interior water damage. This documentation becomes critical evidence for your claim.

Step 2: Get a Professional Roof Inspection

Before calling your insurance company, have a licensed roofing contractor inspect your roof. A professional inspection identifies damage you might miss and provides a detailed report with photos — exactly what insurance adjusters need to see. At MS Premier, our inspections are free and we've helped over 350 homeowners navigate this process.

Step 3: Contact Your Insurance Company

Call your insurer to file a claim. Reference your policy number, the date of the storm, and the damage you've documented. Ask about your deductible and what your policy covers. Most Mississippi homeowner policies cover storm and hail damage, but the details matter.

Step 4: Meet the Adjuster — With Your Contractor

This is the most important step. When the insurance adjuster comes to assess damage, have your roofing contractor present. A knowledgeable contractor can point out damage the adjuster might overlook and advocate for a fair assessment. We attend every adjuster meeting for our clients at no extra cost.

Step 5: Review the Settlement and Begin Work

Once your claim is approved, review the settlement carefully. Make sure it covers the full scope of work needed. Then schedule your roof replacement or repair with a trusted contractor who has experience working with insurance claims.