When your roof is damaged, the insurance process shouldn’t feel like a second disaster. ContractingPRO has helped hundreds of Memphis and Mid-South homeowners document damage, work with adjusters, and get the work done right.
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Storm Damage Restoration & Insurance Claims
Memphis and the Mid-South are in one of the five states that saw the sharpest increase in significant hailstones in 2024. May is peak hail month locally. April is peak tornado season. If you own a home that’s more than fifteen years old in Bartlett, Collierville, Cordova, Germantown, or DeSoto County, there’s a real chance the last storm hit harder than it looked from the ground.
The Honest Reality About Storm Damage Claims
Here’s what most homeowners don’t know: a roof inspection from a contractor you trust, before you file, can mean the difference between a fully documented claim and a partially denied one. The adjuster works for the carrier. They’re professional and they’re doing their job. But they’re not advocating for you. We are.
We also know what comes knocking after a storm. Out-of-state contractors arrive 24 to 72 hours after a major hail or wind event. They knock on doors, promise to “handle everything with insurance,” collect a deposit, and move on to the next neighborhood. The NICB tracked a 38% rise in contractor fraud nationwide between 2023 and 2025. That’s the environment you’re navigating. We’ve been roofing in Memphis under the same name since 2012. We’re not going anywhere.
Why Who You Call Matters
ContractingPRO has been roofing Memphis under the same name since 2012. Our 10-year workmanship warranty on full replacements has been honored since the beginning. We’re an Owens Corning Platinum Preferred Contractor — a designation held by less than 1% of the industry — and a James Hardie Elite Preferred Contractor. Owens Corning doesn’t extend that credential to companies they don’t expect to be around.
What We Do & What We Don't Do
We’re a roofing company that understands insurance claims, not an insurance claims company that happens to install roofs. That difference shows up three years later, when most storm chasers are long gone and the flashing they skipped starts leaking.
| What We Do | What We Don't Do |
| ✓ Inspect and document damage with annotated photos before we open a proposal ✓ Walk you through the claims process step by step ✓ Be present at your adjuster meeting to make sure damage is properly documented ✓ Review the scope of loss with you and flag anything that was missed ✓ Advocate for what you're owed under your policy ✓ Complete the repair or replacement to the same standard as every other project we touch ✓ Back the work with a 10-year workmanship warranty on full replacements | ✗ Speak on behalf of your insurance carrier ✗ Guarantee that your claim will be approved ✗ Promise a specific payout amount before the adjuster has evaluated the damage ✗ Pressure you to sign anything at the initial inspection ✗ Skip the flashing, ventilation, or underlayment details that adjusters can't see from the ground |
How Does The Insurance Claim Process Work with ContractingPRO?
From the first call to the final invoice, here’s what to expect.
How Does the Mortgage Endorsement Process Work?
Many homeowners don’t realize this until the insurance check arrives: if you have an outstanding mortgage, your lender is almost always listed as a co-payee on insurance claim payments. That means the check is made out to both you and your lender, and your lender has to endorse it before the funds are released. This is standard, and it’s not a problem. Every lender handles this slightly differently. Some are faster than others. We’ve been through this process with hundreds of homeowners in the Memphis market since 2012. If your lender is making it complicated, we’ve seen that too, and we’ll help you navigate it. Here’s what to expect:
See The Proof In Our Past Work
We Promise Transparency & Honesty
We will not tell you that insurance will cover your project. We will not guarantee a specific payout. We will not say we’ll “get your insurance to pay. ”Those are promises no legitimate contractor can make, and if someone is making them at your door 48 hours after a storm, that should tell you something.
What we will do:
- Show up on time
- Document the damage thoroughly
- Be present at your adjuster meeting
- Advocate for what your policy covers
- Install the roof to a standard we’ll back for ten years.
The carrier decides. We do the work.
If you are ready to learn more, fill out our online form to get your free storm damage report. No charge. No obligation. Just an honest assessment of your roof and a clear picture of what you’re dealing with. If there’s damage, you’ll know exactly what you’re facing and what it costs. If there isn’t, you’ll have that in writing.
