When the ice balls drop from the sky to strike your home rooftop you will probably reach for your insurance provider first. The first call should be postponed because not knowing your roof condition could lead to expenses exceeding your insurance deductible. The storm-smart contact choice in Middle Tennessee leads people to MidSouth Construction which operates as the expert insurance claim roofing service in the Nashville metro area.

NEVER FILE A ROOF CLAIM BEFORE YOU HAVE A ROOF INSPECTION

The process of filing an insurance claim without verifying actual roof damage first, leads to long-term effects – even when the claim is denied. Insurance companies maintain a record of all claims filed by their customers including denied claims.

Insurance Claims Stay On Your Record for 7 Years

Insurers maintain claims history reports for seven years which they use to determine your risk profile.  Also, if you want to switch insurance providers your roof-related potential issues will become part of your record which may raise concerns.

The best course of action is to consult a licensed roofing contractor before filing a claim.  If you only need a minor roof repair and not a full roof replacement, they can provide you with an estimate first.  This approach helps you avoid unnecessary damage to your insurance history.

HAIL DAMAGE – THE SILENT DESTROYER OF ROOFS!

Hailstones of any size can cause more than just shingle damage.  Hailstones can damage flashings, remove protective granules and break the watertight seam connections. These issues present more than cosmetic problems since they function as pathways leading to structural deterioration.

📞 Schedule your FREE storm damage roof inspection now — call 615-712-8893 or book online!

Homeowners without inspection skills and proper ladder access can fail to understand the complete damage that exists on their roofs. The team at MidSouth provides certified roof inspection services through forensic examination while documenting damage with photographs to be shared with your insurance company.

We also use storm tracking tools such as NOAA’s Storm Events Database to help confirm if your area experienced a recorded hailstorm, which supports insurance documentation.

Roofers Post Storm Damage Checklist

• Shingle dents and pockmarks
• Hail damage on flashing, vent boots and metal accents
• Granule loss on asphalt surfaces
• Torn edges and delaminated sealants
• Dents and dings to gutters and downspouts
• Torn Window screens
• Damaged HVAC vents
• Chipped paint on wood trim
• Holes or damage to fascia board
• Interior water damage from leaks
• Damage and dents to doors and windows

The precise findings in a professional report will serve as proof to support your insurance claim and make the process go smoothly.

1. ⚠️Beware of Out of Town Door-Knockers and Storm Chasers

After storms scammers start appearing in the area.  Check Google for local reviews and verify that they are a Tennessee Contractor!  Steer clear of aggressive sales methods that attempt to push you into decisions. Your insurance generally provides a period of one year to submit your claim.

2. ✅Your Insurance Adjuster Has the Final Say

Your roofer can present strong arguments but the adjuster holds the power to make the final decision. Through advocacy at MidSouth Construction your claim will receive proper representation to show the actual extent of damage.

3. 🧠Understand Your Policy: ACV vs. RCV

Actual Cash Value (ACV) policies cover your roof’s depreciated value. The policy may force you to pay additional costs from your own funds.

Replacement Cost Value (RCV) policies pay for full replacement—if you meet the documentation and repair requirements.

4. 🚫Don’t Fall for “No Deductible” Offers

That’s insurance fraud. Certain contractors make false promises about covering your deductible through their practice of using inferior materials alongside untrustworthy methods. Our company operates within legal boundaries by providing premium services to all our clients.