Storm damage? We handle your roof and your insurance claim.
Hurricane, hail, and tornado damage are confusing and stressful, and Mississippi gets all three. We make it simple: document the damage, meet your adjuster, and rebuild your roof the right way.
We never ask you to skip or waive your deductible.
Mississippi law specifically forbids a residential roofing contractor from offering to pay or rebate any part of it, and that offer is the calling card of a storm-chaser. We file honestly and price the job fairly.
How a Mississippi roof claim works.
We are with you at every step, not just on the day we install.
Document the damage
Photos, dates, and a full roof inspection so nothing gets missed by the adjuster.
Open your claim
We help you file with the right details and a clear scope of the storm damage.
Meet your adjuster
We are on the roof with your adjuster so the estimate reflects the real damage.
Build it back right
Once approved, our crew replaces your roof and we release recoverable depreciation.
Your rights under Mississippi law.
Mississippi tightened its rules for insurance-funded roof work in 2024. Most homeowners have never been told any of this, and the contractors who benefit from that are not about to bring it up.
Nobody may offer to pay your deductible
Mississippi law prohibits a residential roofing contractor from advertising, promising, offering to pay, paying, or rebating any part of your insurance deductible as an inducement to sign. If a contractor offers, they are breaking the law in front of you — and telling you exactly how they will treat your claim.
Miss. Code Ann. § 75-24-307
You get three business days to cancel if the claim is denied
If you signed a roofing contract that depends on insurance proceeds and your insurer then notifies you in writing that all or part of the claim is not covered, you may cancel within three business days of receiving that notice. Written notice to the contractor is effective the moment you put it in the mail.
Miss. Code Ann. § 75-24-309
Your money comes back within ten business days
After you cancel in time, any payments you made must be refunded within ten business days, allowing for emergency services already performed. A contractor who started work before your cancellation window closed cannot bill you beyond what the insurer approved.
Miss. Code Ann. § 75-24-309
Just had a storm? Do this now.
- 1Stop the leak
Tarp any active leaks in the first day or two to prevent more damage inside.
- 2Take photos
Document the roof, ceilings, and any soaked areas, with dates.
- 3Find your deductible
Check your declarations page for whether a hurricane or named-storm percentage applies.
- 4Call before you file
Get a free inspection first so the claim reflects the real damage.
A quick, honest note
This page is general information, not legal or insurance advice, and we are not public adjusters. Statutes change and every policy is different, so always read your own policy. The Mississippi Insurance Department can answer questions about your coverage.
What we do is simple: inspect honestly, document thoroughly, and build your roof back the right way.
Storm claim questions.
No, and no honest Mississippi roofer will. Under Miss. Code Ann. § 75-24-307 a residential roofing contractor may not advertise, promise, offer to pay, pay, or rebate any portion of your deductible to win the job. A violation is treated as an unfair and deceptive practice under the Mississippi Consumer Protection Law. If someone offers, that tells you everything about how they will handle the rest of your claim.
For hurricanes and named storms, most Mississippi policies use a percentage deductible — commonly 1 to 5 percent of your home's insured value — instead of a flat dollar amount. Your policy's own percentage and dwelling value decide what you owe, so read your declarations page. We will sit down and work through it with you.
It depends on your policy, but the arithmetic is worth doing before you file. A 2 percent hurricane deductible on a home insured for $250,000 is about $5,000. At 5 percent on a $300,000 home it is about $15,000. A regular wind or hail loss usually falls under your standard deductible instead, which is why knowing which one applies matters so much.
Most Mississippi policies tie it to a window rather than to the damage itself — typically starting when a named storm or hurricane watch or warning is issued for any part of the state and ending 24 hours after the last one is lifted. Damage inside that window falls under the hurricane deductible. Your policy wording controls, so check it.
In the six coastal counties — Hancock, Harrison, Jackson, Pearl River, Stone and George — mortgage lenders commonly require windstorm coverage, and many standard policies in that band exclude wind and hail unless it is added back. Check whether your wind coverage is on your homeowners policy or on a separate one before a storm, not after.
Quickly. Tarp active leaks within the first day or two to prevent further damage inside, document everything with dated photos, then call us for a free inspection before you file. Waiting makes it harder to tie the damage to a specific storm.
Get your free storm inspection.
Tell us what happened and we will get on it fast. Honest answers, no pressure.
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