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A spring storm comes through Memphis. A tree limb hits the roof, or hail dents your gutters, or wind lifts shingles off three slopes. You're going to file an insurance claim. Now what?

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A new roof is a significant expense. Most Memphis-area asphalt shingle replacements run $14,000 to $25,000, with premium materials or larger homes pushing higher. For most homeowners, that's not money sitting in checking.

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You're standing in the front yard looking up at the roof. Maybe there are a few curling shingles, maybe a leak showed up after the last storm, maybe a contractor knocked on your door and told you the whole thing needs to come off.

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Most Memphis homeowners assume that the word warranty on a roofing contract means they're covered if something goes wrong.

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If you've been getting roofing quotes in Memphis, you've probably seen the phrase Owens Corning Platinum Preferred Contractor on at least one marketing flyer, truck wrap, or website. It sounds like a sales tagline. It isn't.

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Drive through any neighborhood in Memphis, Germantown, Collierville, or Bartlett, and you'll see the same thing on most of the houses: asphalt shingles.

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You walk out into the yard after a Memphis thunderstorm and there it is, a shingle lying flat in the grass. You look up at the roof and see a bare patch where it used to be. Maybe it's just one shingle. Maybe two or three.

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