Hail season in North Mississippi and West Tennessee usually peaks in spring, but damaging storms can hit almost any time of year. If a hailstorm rolled through your neighborhood, here's how to handle the insurance process from start to finish.
Step 1: Stay safe and look for clues
Don't climb on your roof. Instead, look for signs from the ground: dents in gutters, downspouts, and mailboxes; shingle granules piling up at downspouts; dings on your car; or pieces of shingle in the yard.
Step 2: Get a free professional inspection
A roofing contractor can tell you whether there's real hail damage before you file. That helps you avoid filing a claim when there isn't enough damage. We document what we find with clear photos.
Step 3: Review your policy and file promptly
Policies in Mississippi and Tennessee vary — some have separate wind and hail deductibles, and all have filing deadlines. Call your agent or insurer, open a claim, and write down your claim number.
Step 4: Meet the adjuster
Your insurance company will send an adjuster to inspect the roof. Having your contractor present helps make sure all damage is identified, including vents, flashing, and gutters.
Step 5: Review the scope and schedule the replacement
Once approved, you'll receive a scope of work and payment details. Your contractor reviews the scope, requests supplements for anything missed, and schedules your new roof.
Tips to keep in mind
- You are responsible for your deductible — reputable contractors don't waive it
- Keep copies of every document and photo
- Be wary of storm chasers who knock on doors and leave town after the season
- Choose a local contractor with a real address
Custom Remodeling LLC has helped homeowners across DeSoto County and the Memphis metro since 2009. Call (901) 238-4949 for a free storm damage inspection. Se habla español.