Roofing Insurance Claim Services in Nashville, TN
Roof damage from hail, wind, or falling objects can be overwhelming, especially when navigating roof damage insurance claims. At MidSouth Construction, we simplify the process for residential and commercial property owners in Nashville and the surrounding areas.
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Our Roofing Insurance Claim Services
Our team of licensed adjusters works directly with insurance companies to help you receive fair compensation on your claim so you can restore your roof as soon as possible. With our range of roof damage insurance claims services, we offer free roof inspections, meticulous documentation, skilled negotiation, and insurance roof replacement, safeguarding your interests every step of the way.
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We offer the following services:
Hail Damage Roof Inspection For Insurance Claim
Hail damage is often difficult to spot, especially on dark architectural shingles or flat roofs. We offer expert inspection services to uncover and fix hidden roof damage. 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 roof replacement insurance 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 of the damage and follow it up with timely storm damage restoration services to keep the roof damage from getting worse.
Why Choose MidSouth Construction's Roofing Insurance Claims Services?
MidSouth Construction is experienced in protecting our customers’ interests by negotiating their property insurance claims. We are an approved vendor for multiple insurance carriers, and we work with all insurance companies to handle roofing and other property damage claims. Here’s what sets us apart:
- Licensed adjusters: Our team includes licensed adjusters who understand the complexities of 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 roofing insurance claims we place were initially rejected 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 of the roof damage and your insurance claim 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 roofing insurance claim, the case supporting your claim must be detailed with unique facts about your specific roof and your property. Our project managers are knowledgeable in documenting any damage and verifying existing items that need to be replaced, even if they are not easily visible.
We help build your case by documenting the following:
- 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 should be provided to your insurance carrier.
- Documentation on storm swaths that have impacted your specific address.
Customer Checklist: What to Do Before Filing a Roof Insurance Claim
- Make note of when the storm event occurred and any signs of damage you observed.
- Schedule a professional roof inspection to identify and document all storm-related damage.
- Document visible damage with photos and videos.
- Gather previous roofing records, repair invoices, or warranty information.
- Avoid making permanent repairs before the insurance inspection is completed.
- Keep records of any temporary measures taken to prevent further damage.
Examples of Hail Damage on a Shingle Roof
Anytime you have experienced hailstorms or severe windstorms in your area, you should have your roof assessed and addressed by a qualified roofer for damage, and potentially file a roof damage insurance claim. These pictures clearly show how extensive hail damage can be. Recognize that even minor hail damage can significantly reduce the life expectancy of your roof and needs to be addressed.
Learning more about Roof Maintenance & Repair can help property owners identify issues early and prevent further deterioration.
MidSouth Construction roofing contractors will professionally document your roof damage. We also meet onsite with your insurance adjuster to ensure that they report the documented damage to your insurance company for your roofing insurance claim.
Hail Damage to Flat Roofs | Commercial Roofing
Flat roofing can also be damaged by hail, but fortunately, we offer flat roofing services. 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 the damage, and the insurance carrier subsequently paid for this roof. 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 put you out of placing a roofing insurance claim because you were unaware there was damage.
Receive Support With Your Roof Damage 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, such as 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 roofing 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 roofing insurance claim — 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 that customers can avail under a roof insurance claim?
Roof warranties vary by contractor and manufacturer. Manufacturer roof warranties typically cover defects in roofing materials. Reputable roofing contractors often offer a workmanship warranty, normally 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 roof insurance claim instances, 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. Nonetheless, don’t hesitate to file a roof damage insurance claim; most of the time, insurance carriers honor them.
