Roof Insurance Claims

Mississippi is no stranger to storms. From heavy rains to powerful tornadoes and hurricanes, our roofs take a beating. In early April 2025 alone, over 14 tornadoes touched down throughout the state, damaging at least 414 homes, 14 businesses, and 20 farms. And, Mississippi is among the NOAA National Weather Service’s top 10 states expected to see above-normal hurricane activity.

If your roof has been damaged, you might be wondering if your insurance will cover the repairs. You’re not alone — many homeowners face challenges with claims for leaks, missing shingles, or even complete roof replacements. That’s where Garcia Roofing can help, getting you the information you need for roof insurance claims in Mississippi.

Our team provides thorough roof inspections to assess the damage and offer accurate cost estimates, which you can share with your insurance company. We’re committed to delivering reliable solutions that protect your home and your peace of mind.

What To Do After a Storm Damages Your Roof in Mississippi

The aftermath of a storm can be chaotic, but taking the right steps can make all the difference. If your roof has been damaged, follow these steps to protect your home and start the insurance process:

Document the damage: Take photographs of your roof after the storm to provide evidence for your claim.
Secure your property: Cover any exposed areas with a tarp to prevent further damage until repairs can be done.
Schedule an inspection: Call Garcia Roofing to assess the damage and get a professional estimate for repairs or replacement.
Review your insurance policy: Ensure you understand your coverage before contacting your insurance provider.
File your claim as soon as possible: Follow your insurer’s guidelines for submitting roof damage insurance claims in Mississippi.

Does Homeowners’ Insurance Cover Roof Damage in Louisiana?

Understanding your coverage is essential. While most homeowners’ insurance policies include roof damage, the scope of coverage can vary. Your policy may cover:

Storm-related damage, such as wind, hail, or fallen trees.
Hurricane roof damage insurance claims, especially in areas like Biloxi, Gulfport, or other coastal Mississippi cities.
Roof replacement insurance claims, if the damage is severe enough to warrant a full replacement.
Roof repair insurance claims for partial damage.

Keep in mind that normal wear, tear, and neglect are not covered, so routine maintenance is important. If you’re unsure about what your policy includes, consult with your insurance provider.

How To Tell if Your Roof Has Damage

Roof damage isn’t always obvious without a professional inspection.

Here are some signs you may need to act:

Missing or cracked shingles
Granules from shingles collecting in gutters
Water stains or leaks inside your home
Sagging or uneven areas on your roof

If you notice these signs, contact Garcia Roofing for a free roof inspection for insurance claims. Early detection can save you time and prevent extensive damage.

FAQs About Insurance Claims for Roof Damage in Mississippi

When will someone inspect my damage?

When you receive roof hail damage or another type of storm damage to your Mississippi home’s roof, you will need to notify your insurance provider. The insurance company will then contact you to schedule a convenient appointment time.

Inform your insurance company that you would like your roofer present, and let your Garcia Roofing representative know when your appointment is scheduled.
What happens next?

After your insurance claims for roof damage have been evaluated, an insurance adjuster will create an estimate. Your estimate typically spells out what needs to be repaired and/or replaced, as well as what is covered under your policy.
How can I check the status of my claim?

You can check the status of any storm damage roof insurance claims for your Mississippi home by contacting your insurance company either via telephone and/or online.
Why is there depreciation shown on the estimate?

Depreciation is typically shown on all estimates for items that are not brand new. Depreciation is a decrease in the item’s value due to age, wear, or market conditions. Your estimate may include depreciation for items & materials that are being replaced. However, once the replacement of your covered loss has been completed, you may be able to recover the depreciation amount that was withheld depending on your policy terms, conditions, and exclusions.

Why Roofing Insurance Claims May Be Denied

Unfortunately, not every claim is approved. Common reasons a roofing insurance claim may be denied include:

Delayed Reporting: Failing to report the damage promptly may lead to a denial.
Pre-Existing Damage: Damage that wasn’t caused by the covered event may not qualify.
Policy Exclusions: Certain types of damage, like cosmetic issues, may not be covered.

If your claim is denied, don’t give up. Start by requesting a detailed explanation of the denial from your insurer. Then, get a second opinion from a trusted professional roofer, like Garcia Roofing, to assess the situation. Finally, consider appealing the decision by submitting a complaint and additional documentation to strengthen your case.

Why Choose Garcia Roofing?

At Garcia Roofing, we provide expert guidance through every step of your roofing needs. When you need roof insurance claim help in Biloxi, Gulfport, or throughout Mississippi, you can trust us to:

Conduct thorough roof inspections
Provide clear, detailed cost estimates
Help you determine what’s likely covered by your insurance

Remember, we don’t file claims for you — but our services can help make the insurance process easier to manage.

Schedule Your Free Roof Inspection Today

Getting the information you need for roof insurance claims doesn’t have to be stressful. Whether you’re dealing with roof damage insurance claims in Mississippi or wondering what to do after a storm damages your roof in Mississippi, we’re here to assist. Schedule a professional roof inspection with Garcia Roofing today and take the first step toward restoring your home.

Mississippi Insurance Claims