How to File an Insurance Claim for Roof Replacement in Ocean Springs, MS
If your roof has been damaged by a storm, hurricane, or high winds in Ocean Springs, MS, you may be eligible for a roof replacement covered by insurance. However, navigating the insurance claims process can be confusing.
In this guide, we’ll walk you through:
✅ What Types of Roof Damage Insurance Covers
✅ Step-by-Step Process for Filing a Roof Replacement Claim
✅ Common Reasons Insurance Denies Claims (and How to Avoid Them)
✅ How to Work with a Roofing Contractor to Maximize Your Payout
1. Does Homeowners Insurance Cover Roof Replacement?
Yes—if your roof was damaged by a covered peril. Most homeowners insurance policies cover roof replacement in Ocean Springs, MS due to:
✔ Storm Damage – High winds, hurricanes, and hailstorms
✔ Falling Debris – Tree limbs or other objects damaging the roof
✔ Fire Damage – House fires or nearby wildfires
🚨 What’s NOT Covered?
❌ Normal Wear & Tear – Insurance won’t cover a roof that’s simply old or deteriorating.
❌ Poor Maintenance – If your roof wasn’t properly maintained, claims may be denied.
❌ Pre-Existing Damage – Any damage before the policy was active.
💡 Pro Tip: If your roof is over 15 years old, your insurer may only cover the depreciated value instead of a full replacement.
2. Step-by-Step Guide to Filing a Roof Replacement Insurance Claim
Step 1: Assess the Damage ASAP
After a storm, inspect your roof for signs of damage:
🔍 Missing or torn shingles
🔍 Water leaks or ceiling stains
🔍 Granules in gutters
🔍 Dents from hail or falling debris
📸 Take Photos! Document the damage with clear photos and videos from multiple angles.
Step 2: Contact a Local Roofing Contractor for an Inspection
Before filing a claim, get a professional roof inspection from a licensed roofing contractor in Ocean Springs. They will:
✔ Assess the damage
✔ Provide a written report
✔ Estimate repair or replacement costs
🔨 At Sanders and Sanders Roofing, we offer FREE storm damage inspections to help homeowners with insurance claims!
📞 Call 228-380-0334 to schedule your inspection!
Step 3: File Your Insurance Claim
Contact your home insurance provider and provide:
📑 Your policy number
📑 The date of the storm/damage
📑 Photos and inspection report
📑 An estimate from a licensed roofing contractor
🔔 Important: File your claim as soon as possible—many insurers have strict deadlines for storm-related claims.
Step 4: Meet with the Insurance Adjuster
Your insurance company will send an adjuster to inspect the roof damage. Your roofing contractor can be present to ensure all damage is properly documented.
💡 Why Have a Roofer Present?
Insurance adjusters work for the insurance company—they may miss or underestimate damage. A qualified roofing contractor helps advocate for a full replacement.
Step 5: Review the Insurance Settlement Offer
Once your claim is processed, your insurer will provide:
✔ An initial payout based on their estimate
✔ Details of your deductible and depreciation
🚨 Watch out for low estimates! If the insurance payout is lower than expected, your roofer can provide additional evidence to request a reassessment.
Step 6: Schedule Your Roof Replacement
Once your claim is approved:
✔ Sign a contract with your roofing contractor
✔ Schedule your roof replacement
✔ Ensure all work meets building codes in Mississippi
📍 Need a reliable roofing contractor in Ocean Springs?
🔗 Schedule Your Free Roof Inspection Today
3. Common Reasons Insurance Denies Roof Claims (and How to Avoid Them)
❌ “Your Roof is Too Old” – Some insurers won’t cover roofs over 15 years old.
💡 Tip: Upgrade to impact-resistant shingles for better coverage.
❌ “The Damage is Cosmetic” – Insurers may argue damage isn’t functional.
💡 Tip: Have a roofer document all leaks and underlying structural issues.
❌ “You Waited Too Long to File” – Claims must be filed within a set time after the storm(varies by policy).
💡 Tip: File ASAP and document storm dates!
❌ “The Damage Was Pre-Existing” – If there’s old, unresolved damage, your claim may be denied.
💡 Tip: Keep records of past roof repairs to prove maintenance.
4. Why Work with a Local Roofing Contractor for Your Insurance Claim?
A trusted local roofer in Ocean Springs helps maximize your claim by:
✔ Providing a detailed inspection report
✔ Meeting with the insurance adjuster to advocate for full coverage
✔ Ensuring all storm damage is properly documented
✔ Completing roof replacement to Mississippi building codes
🏡 At Sanders and Sanders Roofing, we help homeowners get the insurance coverage they deserve.
📞 Call 228-380-0334 today for a FREE roof inspection & insurance claim assistance!
Final Thoughts: Don’t Wait—File Your Claim Today!
If your roof was damaged by a hurricane, storm, or high winds, you may qualify for a fully covered roof replacement. Don’t risk a denied claim—act quickly to document damage, file your claim, and work with a trusted roofing professional.
📍 Serving Ocean Springs, MS & the Mississippi Gulf Coast
📞 Call 228-380-0334 or schedule online at Sandersandsandersroofing.com
