Do I Need Three Estimates for Insurance Storm Damage Claims?
One of the most common questions we get asked by homeowners after a hail storm or strong wind storm is:
“Do I need to get three estimates before I can file an insurance claim?”
The short answer is: No, you don’t.
In fact, doing so could complicate your claim or delay the repair process.
At MidSouth Construction, we specialize in storm damage restoration and work directly with insurance companies every day. In this article, we’ll explain why getting multiple estimates is outdated advice, and how a local and reputable roofing contractor can streamline the entire insurance claim process.
Why You Don’t Need Multiple Estimates
Insurance companies do not require three estimates to process a claim. That’s a widespread myth. Most insurance policies simply require you to prove the scope and cost of your loss — you are not required to find the cheapest contractor or go with the lowest bid. In fact, you should be focused on going with the most qualified contractor who can do quality work.
According to the National Association of Insurance Commissioners (NAIC), homeowners should choose reputable, licensed contractors, not just the lowest price.
In fact, we often see that getting multiple lowball bids leads to cutting corners, poor workmanship, or not fully restoring your home to its pre-loss condition.
Our Process: Contingency Agreements, Not Estimates
At MidSouth Construction, we generally don’t provide an estimate up front for storm damage. Instead, we:
- ✅ Perform a free, thorough inspection of your roof and home
- ✅ Document all storm-related damage with photos and detailed notes
- ✅ Submit that information to your insurance provider
- ✅ Write a detailed estimate using Xactimate or Symbility — the same estimating software used by most insurance adjusters
- ✅ Ask the homeowner to sign a contingency agreement, not a contract
A contingency agreement is a simple document stating that we’ll complete the work for the amount approved by your insurance. There’s no risk or upfront cost to you.
What Are the Benefits of This Approach?
- No Out-of-Pocket Estimate Fees: We never charge for inspections or estimates.
- Faster Claims Process: We speak the language of insurance and streamline communication with adjusters.
- Thorough Documentation: We often uncover damage that others miss, maximizing your claim.
- Hidden Damage: Leaves the door open to supplement the claim for items that are not immediatley known at the initial inspection
- Quality Repairs: We restore your home using materials of like, kind, and quality — no shortcuts.
📚🔥Need more information on the roof replacement insurance process? “Read our Blog on Roof Damage – Steps To File A Claim”
What the Insurance Company Really Wants
Your insurer wants to see a detailed scope of work that justifies the cost. By working with a local Nashville contractor experienced in insurance claims — like MidSouth Construction — you eliminate confusion and delays. You’re not obligated to chase multiple contractors or juggle competing bids. You’re hiring an expert to handle the claim from start to finish.
Still unsure? Here’s what State Farm says on their website:
“If you choose to work with a contractor, it’s best to select one who is experienced in insurance claim work and familiar with the process.”
Watch the Video: Do I Need Three Estimates?
For a quick overview on roofing contractor estimates, watch our video on YouTube where we break this down in under 3 minutes:
🎥 Watch Now: Do I Need 3 Estimates? | MidSouth Construction
(Don’t forget to subscribe for more roofing tips!)
Frequently Asked Questions (FAQs)
Q: Is a contingency agreement legally binding?
A: It is an agreement that simply states that we’ll do the approved work for the insurance-approved amount. You’re not obligated unless the claim is covered and then it becomes a binding agreement.
Q. How many quotes do I need for insurance claim?
A: One! You only need an estimate from a knowledgeable roofing company experienced in Xactimate or Symbility! In many cases it’s best to wait until the insurance company provides their own estimate for review first.
Q: What if my insurance denies the claim?
A: If your claim isn’t approved, you’re under no obligation to move forward with us. The inspection remains completely free.
Q: What if I already got another estimate?
A: That’s fine! But understand that we use insurance-specific software and can provide more accurate, aligned pricing with what your adjuster expects.
Q: Will you help me understand my claim paperwork?
A: Absolutely. We walk you through every line item and explain what’s covered, what’s not, and how we’ll restore your home.
Q: What areas do you serve?
A: MidSouth Construction proudly serves homeowners across Tennessee and surrounding areas.
Contact MidSouth Construction Today
If your home has suffered storm damage, don’t waste time gathering estimates. Let us do a free inspection and work directly with your insurance provider to ensure your claim is handled properly.
📞 Call us today at 615-712-8893
🌐 Visit us online: www.roofingbymidsouth.com
📺 Subscribe on YouTube: @MidSouthConstruction
Sherri Berry is the Operations Manager at MidSouth Construction, bringing 15 years of roofing industry experience and a background in legal compliance and real estate. She oversees the daily production of construction projects, ensuring every job reflects integrity and quality workmanship. Committed to helping homeowners understand their insurance claims and roofing options, Sherri combines technical expertise with clear, honest communication. Outside of work, she serves at One Church in Murfreesboro, TN, and is dedicated to providing trustworthy roofing and restoration services to her community.
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