Finding a Memphis Roofer for a Denied Insurance Claim

Finding a Memphis Roofer for a Denied Insurance Claim

Aug 22 2024

Navigating the complex world of roofing, especially when dealing with a denied insurance claim, can be overwhelming for homeowners. The good news is that with the right support, like the expert team at Restoration Roofing, you can successfully turn a denied claim into an approved one. At Restoration Roofing, we pride ourselves on a 96% approval rate for insurance claims related to storm damage. In this blog, we’ll explore how we can assist you, what storm damage looks like, when to call a roofer, and the crucial questions you should ask your roofer about handling insurance claims for storm damage.

What Storm Damage Looks Like

Identifying storm damage early is essential to preventing further deterioration of your roof and the rest of your home. Here are some common signs of storm damage:

  1. Missing or Damaged Shingles: Strong winds and hail can rip shingles off your roof or cause them to crack. Missing shingles expose the underlying structure to the elements, increasing the risk of leaks and further damage.
  2. Granule Loss: If you notice granules in your gutters or around your home, it’s a sign that your shingles have been compromised. Granules protect your shingles from UV rays and impact; without them, your roof is more vulnerable.
  3. Dents and Dings: Hail can cause visible dents in your roof, siding, and gutters. Even if these dents seem minor, they can lead to significant problems over time, such as water infiltration and structural damage.
  4. Leaks or Water Stains: Water stains on your ceilings or walls indicate that water has entered your home, likely through a damaged roof. This can lead to mold growth and more extensive damage if not addressed promptly.
  5. Debris on the Roof: After a storm, debris such as branches or leaves can accumulate on your roof. This debris can cause physical damage and trap moisture, which can lead to mold and rot.

When to Call a Roofer

Knowing when to call a roofer is critical to maintaining the integrity of your home. Here are some situations that warrant an immediate call:

  1. After a Severe Storm: If your area has experienced a significant storm with high winds, hail, or heavy rain, it’s a good idea to have your roof inspected, even if there are no visible signs of damage. Some damage, like leaks or weakened shingles, might not be immediately apparent.
  2. Visible Signs of Damage: If you notice any of the signs of storm damage mentioned above, don’t delay in contacting a roofer. The sooner you address the damage, the less likely it is to lead to more significant issues.
  3. Aging Roof: If your roof is nearing the end of its expected lifespan (typically 20-30 years for asphalt shingles), it’s more susceptible to damage. A professional inspection can help determine if it’s time for repairs or a replacement.
  4. Denied Insurance Claim: If your initial insurance claim was denied, don’t give up. Call a roofer who has experience working with insurance companies, like Restoration Roofing. We can often overturn a denied claim by providing a thorough inspection and detailed evidence of the damage.

How Restoration Roofing Can Help

At Restoration Roofing, we understand the frustration and stress that comes with a denied insurance claim. That’s why we’ve built a team of experts who specialize in navigating the insurance process and advocating for our clients. Here’s how we can assist you:

  1. Thorough Inspection: Our team begins with a comprehensive inspection of your roof to identify all damage, even the hard-to-spot issues that other roofers might miss. We document everything with photos, videos, and detailed reports to provide clear evidence to your insurance company.
  2. Insurance Advocacy: We have a strong track record of working directly with insurance companies. Our goal is to ensure that you get the coverage you deserve. With a 96% approval rate for storm damage claims, we’re confident in our ability to help turn a denied claim into an approved one.
  3. Expert Repair and Replacement: Once your claim is approved, we’ll get to work repairing or replacing your roof using the highest quality materials and craftsmanship. We handle everything from start to finish, so you don’t have to worry about a thing.
  4. Ongoing Support: Even after the job is done, we’re here for you. Whether you have questions, need maintenance, or face another storm, Restoration Roofing is committed to ensuring your roof remains in top condition.

Questions to Ask a Roofer About Insurance Claims on Storm Damage

When dealing with storm damage and a potential insurance claim, it’s essential to ask the right questions to ensure you’re working with a knowledgeable and reliable roofing contractor. Here are some key questions to ask:

  1. Are You Experienced with Insurance Claims?
    • Why it Matters: A roofer experienced in handling insurance claims will know how to navigate the process effectively and maximize your chances of approval.
  2. What Is Your Success Rate with Insurance Claims?
    • Why it Matters: A high success rate, like our 96% approval rate at Restoration Roofing, indicates that the contractor knows how to present your case to the insurance company effectively.
  3. Will You Be Present During the Insurance Adjuster’s Inspection?
    • Why it Matters: Having your roofer present during the insurance adjuster’s inspection ensures that all damage is pointed out and that nothing is overlooked.
  4. How Do You Document Storm Damage?
    • Why it Matters: Detailed documentation is crucial for a successful insurance claim. Ask if the roofer uses photos, videos, and written reports to support your claim.
  5. What Happens If My Claim Is Denied Again?
    • Why it Matters: Understanding your roofer’s plan for handling a denied claim can give you confidence that they’ll continue to fight for your coverage.
  6. What Warranties Do You Offer?
    • Why it Matters: A good warranty protects you from future issues and indicates that the roofer stands by their work.

Work With Restoration Roofing

Dealing with a denied insurance claim can be daunting, but it doesn’t have to be the end of the road. Restoration Roofing is here to help you navigate the process, from identifying storm damage to working with your insurance company for a successful claim. With our experience, expertise, and commitment to customer satisfaction, we’ve helped countless homeowners in Memphis and the surrounding areas get the roof repairs and replacements they need.

Don’t let a denied claim leave you out in the cold—contact Restoration Roofing today for a consultation and let us help you protect your home.

For all your roofing needs, trust the experts at Restoration Roofing. We’re more than just a Collierville TN roofing company; we’re your partners in home protection. Contact us today!

Give us a call at 901-854-3402 or fill out our Contact Us form and we will reach out to you with our next available inspection. Make sure to follow us on Facebook and Instagram for more tips on finding the best roofing contractor for you.