Will my homeowner policy cover hail damage in Memphis?

In most cases, homeowner insurance policies in Memphis do cover hail damage to your roof, especially when the impact has compromised shingles, flashing, or overall roof integrity. Every policy is different, but if a recent Memphis storm caused visible hail dents, granule loss, or leaks, your insurer will likely approve repairs or a full replacement. At 3Gen Roofing, we specialize in identifying storm damage that isn’t always visible from the ground and documenting it thoroughly for your claim. Our team inspects your roof, takes detailed photos, and helps you understand exactly what your policy covers before you file, ensuring you get the full protection and coverage you’re paying for.

What if the adjuster says “no damage found”?

It’s not uncommon for an insurance adjuster to overlook damage, especially subtle hail or wind damage, but if that happens, there’s no need to panic! 3Gen Roofing will perform a second inspection, compare our findings with the adjuster’s report, and help you request a re-inspection or appeal if necessary. With extensive experience working directly with insurance companies throughout the Memphis area, we know how to clearly and professionally communicate the extent of roof damage to ensure legitimate claims are recognized and your roof gets repaired or replaced the right way.

Do I have to pay my insurance deductible?

Yes, state law and your homeowner insurance policy require you to pay your deductible before insurance covers the remaining cost, and you should be cautious of any contractor offering to “waive your deductible,” as that practice is illegal in Tennessee. The good news is that 3Gen Roofing will help you maximize your claim value so your out-of-pocket cost stays as low as possible, walking you through your deductible, explaining what’s covered, and ensuring you receive a high-quality roof replacement without hidden fees or surprises.

Will replacing my roof raise my insurance premiums?
In most situations, replacing your roof after storm damage won’t raise your insurance premiums, since insurance companies expect you to file a claim when severe weather hits. That’s what your coverage is for! In fact, installing a new, storm-resistant roof can sometimes help lower your premiums over time by reducing your home’s risk profile. 3Gen Roofing uses high-quality materials and proven installation methods built to withstand Memphis storms, giving you lasting protection, peace of mind, and long-term savings.

How long does the insurance claim process take?

Every claim is different, but most roof insurance claims in the Memphis area take about two to four weeks from inspection to approval, followed by just a few days for installation once materials arrive. With 3Gen Roofing, you’ll never be left wondering where things stand. We communicate directly with your insurance company, coordinate inspections and adjuster visits, and keep you updated every step of the way. Our goal is to make the entire process as fast, transparent, and stress-free as possible so your roof, and your life, get back to normal quickly.

How do I know if my roof has storm damage after a Memphis storm?

After a strong Memphis hail or windstorm, look for missing shingles, dented metal, granules collecting in gutters, or interior leaks. These are early signs your roof may have storm damage. 3Gen Roofing offers free roof inspections throughout the Memphis area to identify hidden hail or wind damage, document it with photos, and help you determine whether filing an insurance claim makes sense for your situation.

Can I choose my own roofing contractor for an insurance claim?

Yes, you always have the right to choose your own roofing contractor for an insurance claim. Your insurance company cannot require you to use their preferred vendor. Working with a trusted local roofing contractor like 3Gen Roofing ensures you have experienced professionals who understand Memphis building codes, local storm patterns, and insurance claim procedures, so your roof is restored the right way… not just the cheapest way.

What happens if my roof damage isn’t covered by insurance?

If your insurance provider determines that your roof damage isn’t covered, often due to age, neglect, or wear unrelated to a storm, 3Gen Roofing can still help with affordable repair or replacement options. We provide transparent estimates, flexible financing, and expert advice to help Memphis homeowners protect their property, even when insurance coverage isn’t available!

How often should I have my roof inspected in the Memphis area?

Because Memphis weather brings heavy rain, hail, and strong winds, we recommend having your roof professionally inspected at least once a year and after any major storm. Regular inspections help detect small leaks or hidden damage early, preserving your roof’s lifespan and ensuring insurance coverage isn’t jeopardized. 3Gen Roofing offers free annual roof inspections across the Memphis area to keep your home safe and protected.

What type of roofing materials last longest in the Memphis climate?

Memphis homeowners see the best long-term performance from architectural asphalt shingles, standing seam metal roofs, and high-quality composite shingles, all of which are designed to withstand the region’s heat, humidity, and frequent storms. 3Gen Roofing helps homeowners choose the ideal roofing system based on their budget, style, and long-term durability, ensuring their roof can handle whatever the Mid-South weather brings!