Insurance Claim Services for Roof Damage
Roof damage from hail, wind or falling objects can be overwhelming, especially when navigating insurance claims. At MidSouth Construction, we simplify the process for residential and commercial property owners in Nashville and surrounding areas.
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Our team of licensed adjusters works directly with insurance companies to help you receive fair compensation and restore your roof as soon as possible. With our extensive experience in roof inspections, meticulous documentation, skilled negotiation and insurance roof replacement, we safeguard your interests every step of the way.
Our Roofing Insurance Claim Services
We offer reliable insurance claim services, including:
Hail Damage Roof Inspections
Hail damage is often difficult to spot, especially on dark architectural shingles or flat roofs. Unaddressed damage can shorten the life of your roof and lead to costly issues down the line. Our team specializes in identifying and documenting hail damage to ensure your insurance roof replacement claim is handled correctly.
Wind Damage Evaluation
Wind damage may not always be visible, but our trained inspectors know what to look for — raised shingles, creases or other subtle signs of wear. Trust us to provide honest assessments and thorough documentation.
Why Choose MidSouth Construction's Insurance Claims Services?
MidSouth Construction is experienced in protecting our customers’ interests in negotiating their roof damage claims. We are an approved vendor for multiple insurance carriers and work with all insurance companies for property damage claims. Here’s what sets us apart:
- Licensed adjusters: Our team includes licensed adjusters who understand the complexities of roof insurance claims and work to secure fair settlements.
- Unmatched experience: With 25 years of experience handling residential and commercial property claims, we know what to look for and how to document it for optimal results.
- Advanced inspection technology: We utilize state-of-the-art tools, such as Thermal Leak Detection Imaging, to ensure every issue is identified and thoroughly documented.
- High success rate with denied claims: Around 40% of the roofs we replace were initially denied by insurance, but our expertise can turn denials into approvals.
- Seamless communication: We act as the liaison between you and your insurance company, ensuring every detail is handled with transparency and professionalism.
Insurance Claims Roof Evaluation/Documentation
Commercial insurance claims and residential roofing claims must be well documented! When filing a residential or commercial property damage insurance claim, it is critical that the case supporting your claim be detailed with unique facts about your specific roof and your property. Our project managers are knowledgeable in how to document any damage and verify existing items that need to be replaced that may not be easily visible.
We help build your case by documenting:
- A thorough and detailed scope of all roofing damage
- Evidence of the insured peril that caused the damage
- Roof decking, membrane and insulation conditions
- Infrared photos using state-of-the-art Thermal Leak Detection Imaging
- Building codes that must be considered
- Detailed estimates with fair market costs for the necessary repairs
- Documenting the age of your roof
- Photographs of all damage to provide to your insurance carrier
- Documentation on storm swaths that have impacted your specific address
Examples of Hail Damage on a Shingle Roof:
Anytime you have experienced hail storms or severe wind storms in your area, you should have your roof inspected by a qualified roofer for damage. These pictures clearly show how extensive hail damage can be. But it is equally important to know that even minor hail damage can reduce the life expectancy of your roof and needs to be addressed.
MidSouth Construction Roofing Contractors will professionally document your roof damage. We also meet onsite with your insurance adjuster to ensure that they report the damage we have already documented to your insurance company.
Hail Damage to Flat Roofs | Commercial Roofing
Flat roofing can also be damaged by hail. These images show hail damage on a black flat roof, which is very difficult to see to the untrained eye. These images were used to document damage and this roof was replaced by the insurance carrier. If your commercial roof has been in the path of a hail storm, it is always wise to have it inspected. Don’t let the statute of limitations run out on filing a claim on your flat roof because you were unaware there was damage.
Receive Support With Your Insurance Claim From MidSouth Construction
Choosing MidSouth Construction ensures you receive the best roofing services and thorough support with your insurance claim. Complete our contact form to receive a free quote.
Frequently Asked Questions
Get the answers you need about our services.
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1. How quickly will an insurance adjuster inspect my roof after I file a claim?
In most cases, an insurance adjuster will inspect your roof within two days of filing your claim. However, after major weather events like hailstorms or tornadoes, the high volume of claims can extend this timeline to a couple of weeks. Insurance companies are required to act promptly, so it’s essential to file your claim as soon as possible to facilitate timely processing.
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2. Does replacing my roof through insurance raise my premiums?
No, in Tennessee, insurance companies are prohibited from increasing your premiums due to damage deemed an Act of God. While insurers can adjust rates for an entire zip code, they cannot target individual policyholders with increased rates. Therefore, your premiums will not rise just because you filed a claim for roof replacement — any rate changes would apply universally within your zip code regardless of individual claims.
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3. What is covered under a roof warranty?
Roof warranties differ depending on the contractor and the manufacturer. Manufacturer warranties typically cover defects in roofing materials. Reputable roofing contractors often offer a workmanship warranty, typically ranging from two to five years. For enhanced coverage, Master Elite Certified contractors such as MidSouth Construction provide Silver Pledge and Golden Pledge warranties, which include a 10-year workmanship guarantee backed by the manufacturer.
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4. Do you ever use public adjusters to help in settling claims?
In rare situations, we can encounter an uncooperative insurance adjuster. In those unusual cases, the customer may decide it is in their best interest to work with a reputable Public Adjuster.
