Will Insurance Cover My Roof Replacement?

If your roof has been damaged by hail, wind, or a fallen tree, you may be wondering whether insurance will pay for a new roof. Here's what homeowners in Southaven, Horn Lake, Olive Brand and Hernando need to know.

Step 1: Check Your Policy

Most homeowners insurance policies cover roof damage caused by:

• Windstorms

• Hail

• Fire

• Fallen trees or debris

They typically don’t cover wear and tear, old age, or pre-existing issues.

Step 2: Document the Damage

Take clear photos of missing shingles, leaks, debris, or interior damage. The more proof you have, the better your case.

Step 3: Call a Roofing Contractor First

Before calling your insurance company, get a roof inspection from a qualified contractor like A Final Touch. We’ll:

• Document damage professionally

• Provide a written estimate

• Help determine if it’s likely to be covered

Bonus: We can meet your adjuster on-site to make sure no damage is missed.

Tip: Avoid Storm Chasers

After big storms, fly-by-night companies show up offering “free roofs.” They often cut corners, vanish after payment, and leave you liable. Choose a licensed, local contractor you can trust.

Let Us Help with Your Claim

We’ve helped dozens of DeSoto County homeowners navigate the roof replacement insurance process. If you think your roof might be covered, contact A Final Touch for a free, no-pressure inspection.