Storm Damage Roof Replacement: Navigating Insurance Claims in DeSoto County
When severe weather strikes Southaven, Olive Branch, Hernando, Horn Lake, Lewisburg, Byhalia or Walls, a damaged roof can quickly become a headache. Here’s how to handle your insurance claim with confidence—and get your roof replaced right the first time.
Understanding Storm Damage in DeSoto County
DeSoto County’s mix of summer thunderstorms, occasional tornadoes, and winter freezes means roofs take a beating year-round. Common storm-related issues include:
Missing or lifted shingles from high winds
Granule loss and UV exposure after hail impacts
Damaged flashing around vents, chimneys, and valleys
Leaking underlayment leading to interior water stains
Left unrepaired, these problems can lead to rot, mold growth, and structural decay, so fast action is key.
1. Documenting the Damage
Before you call your insurer, gather clear evidence:
Photograph & Video every affected area—walk your entire roof if it’s safe, or use binoculars/camera zoom from the ground.
Note Date & Weather Event that caused it (tornado on April 5th, hail storm June 12th).
Save Torn, Missing, or Fallen Material as proof—matching a piece of a shingle or a chunk of underlayment helps substantiate your claim.
Tip: Keep a simple roof-damage log in your home folder. It speeds up adjusters’ reviews when they arrive.
2. Filing Your Insurance Claim
A. Contact Your Agent Quickly
Most policies require notification within 24–48 hours of the event. Give them:
Your policy number
Photos and videos
Description of damage and location
B. Schedule the Adjuster’s Visit
An insurance adjuster will inspect your roof, often alongside your contractor. If possible, ask A Final Touch to accompany you—our certified roof inspectors can point out hidden damage like compromised decking or underlayment failures.
C. Review the Estimate Together
After inspection, the carrier issues a scope of work and cost estimate. Common claim line items include:
Tear-off of existing shingles
Installation of new underlayment and flashing
New shingle or metal panel installation
Disposal fees
Compare their scope to your contractor’s detailed bid. If items are missing or under-priced, request an “supplement” to add necessary repairs (e.g., deck replacement or soffit board repair).
3. Choosing a Contractor for Replacement
Not all roofing companies handle insurance-backed jobs the same way. Contact A Final Touch for expert insurance company guidance and assistance. We have:
Insurance Expertise: Proven track record working with local carriers (State Farm, Allstate, Farmers, etc.).
IICRC-Certified Inspectors: Able to document damage thoroughly on-site.
Transparent Estimates: Line-item bids that match or exceed the adjuster’s scope so you know exactly what’s covered.
Local References: Completed storm-damage replacements nearby.
A Final Touch partners with DeSoto County homeowners through every insurance step—maximizing your payout and handling supplements if the initial estimate falls short.
4. Coordinating the Replacement Process
A. Order and Delivery of Materials
Storm-rated shingles and impact-resistant underlayment often require special ordering. Work with a contractor who handles these logistics to avoid delays.
B. Scheduling Around Weather
DeSoto County’s next storm can roll in at any time. An experienced roofer keeps an eye on local forecasts and gaps your install timeline to avoid working in rain.
C. Quality Installation
Key best practices include:
Full tear-off of existing roofing to inspect deck
Application of synthetic underlayment and ice-and-water shields at eaves
Proper nailing patterns and manufacturer-approved flashings
Final walk-through and punch-list to catch any loose nails, misaligned shingles, or sealant gaps
5. Finalizing Your Claim
Once installation is complete:
Collect Receipts & Warranties for shingles, underlayment, and labor.
Submit Final Invoice to your insurer—request the depreciation holdback if your policy includes recoverable depreciation.
Inspect Together: Invite the adjuster or an independent appraiser for a post-work inspection to confirm all covered items were addressed.
Pro Tip: Keep your own copy of every document. If the carrier delays releasing funds, having comprehensive records makes follow-up calls faster and more effective.
6. Maintaining Your New Roof
A fresh roof is only as good as its upkeep:
Bi-Annual Inspections: Check for loose shingles after spring and fall storms.
Gutter Cleaning: Remove leaves and granules twice a year to prevent backups.
Tree Trimming: Keep limbs away from ridge lines to avoid impact damage or moss growth.
Regular maintenance in Southaven, Olive Branch, Hernando, Horn Lake, and Walls preserves your investment and ensures any new storm damage is spotted early.
Ready to Tackle Your Storm-Damaged Roof?
When storm damage leaves you overwhelmed, A Final Touch is here to guide you—documenting issues, navigating insurance, and delivering a flawless roof replacement in DeSoto County.
Contact Us today for a free storm-damage inspection and let us help you restore peace of mind and protect your greatest asset.