What You Need to Know
If you’ve lived in Murfreesboro, TN for any length of time, you know how fast the weather can turn. One strong storm can bring high winds, hail, or even a tornado—and leave your roof in rough shape. In the aftermath, most homeowners are left asking: “Will my insurance cover this?”
The answer is usually yes—but only if you handle the roof insurance claim process the right way. Filing a claim can be confusing and stressful, especially when you’re already dealing with storm damage. The good news? With the right guidance and the help of a local, experienced roofing contractor, you can avoid common pitfalls and get your roof repaired or replaced with minimal out-of-pocket costs.
Let’s break down what every Murfreesboro homeowner needs to know.
After the storm passes, your first priority is safety. Don’t rush up to the roof with a ladder—that’s a quick way to get hurt or make the damage worse. Instead, start with a basic inspection from the ground.
Look for signs like missing shingles in your yard, lifted or torn shingles visible from below, dented gutters, or debris on the roof. You might also spot water stains or leaks in your attic or ceiling, which often indicate hidden damage. Take photos and video of anything you see. This documentation can help your claim later, even if the damage seems minor.
This might surprise some homeowners, but your first call after a storm shouldn’t be to your insurance provider—it should be to a reputable roofing contractor in Murfreesboro. Why? Because not all roof damage is obvious, and not all of it qualifies for an insurance claim. A professional inspection helps you determine if a claim is worth filing in the first place.
At Professional Roofers, Inc., we offer free storm damage inspections and provide a detailed report you can share with your insurance adjuster. Even better, we’ll walk your roof with the adjuster to make sure nothing is missed. This alone can mean the difference between partial and full coverage.
Once your roofer confirms storm-related damage, it’s time to file your insurance claim. Most providers in Middle Tennessee have online forms or 24-hour hotlines for this. You’ll need basic information like your policy number, the date of the storm, and the roofer’s damage report. Make sure you also submit the photos and video you captured during your inspection.
After filing, your insurance company will schedule a visit from an adjuster. This is where things get serious. The adjuster determines the scope of damage—and ultimately how much the insurer is willing to pay.
Having your roofing contractor meet with the adjuster is one of the smartest moves you can make. At PRI, we’ve been through this process hundreds of times and know how to ensure nothing is overlooked, from damaged flashing to hidden structural issues.
Once your claim is approved, you’ll receive an estimate that breaks down the approved cost of repairs or replacement. Many homeowners are confused by terms like “ACV” (Actual Cash Value) and “RCV” (Replacement Cost Value). Here’s the short version:
Most policies in Murfreesboro cover RCV, but the first check you receive will often be the ACV amount. The rest is paid after the job is complete.
Your contractor should review the insurance estimate with you to make sure everything is accounted for—and help submit a supplement request if anything was missed.
Once you’ve reviewed the claim and the numbers line up, it’s time to move forward with the work. Choose a local roofing contractor who understands Murfreesboro’s weather patterns, city codes, and insurance processes.
At Professional Roofers, Inc., we use insurance-approved materials, work efficiently to minimize disruption, and most jobs are completed in one to two days. We also stand by our work with solid warranties and clear communication every step of the way.
And because we’ve worked with nearly every major insurer in Tennessee, we know how to avoid delays and keep your project moving.
It’s no secret—after every major storm, Murfreesboro gets swarmed by out-of-town roofing crews offering quick repairs at suspiciously low prices. These “storm chasers” may cut corners, use inferior materials, and disappear once the job is done.
That’s why working with a trusted local contractor makes all the difference. We’re here before, during, and long after the storm. We know what’s normal for Middle Tennessee weather, and we’ve built relationships with local adjusters and inspectors to make the process smoother for our customers.
When a storm damages your roof, dealing with insurance shouldn’t be another disaster. With the right team on your side, you can maximize your insurance claim, protect your home, and get the repairs you need—without getting buried in red tape.
At Professional Roofers, Inc., we specialize in storm damage roof repair in Murfreesboro. From free inspections to final clean-up, we’re here to make the insurance claim process as smooth and stress-free as possible.
Contact Professional Roofers today to schedule your FREE inspection and let us help you handle the insurance claim with confidence.
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