Should I Call a Roofer or Insurance First?

What Homeowners Need to Know After Storm Damage

If your home has storm damage, one of the most common questions homeowners ask is: Should I call a roofer or my insurance company first?

The answer matters more than most people realize, especially if your roof is 15 years old or older. The wrong first call can limit your options, create unnecessary claims, or leave you paying more out of pocket than expected.

At Mr. GoodRoof, we help homeowners get clarity before decisions are made.

The Short Answer: Call a Roofer First

Calling a roofer before your insurance company gives you information with no downside and no obligation.

A professional roof assessment helps you understand:

• Whether the damage is cosmetic or functional
• If repairs are sufficient or replacement is necessary
• Whether filing a claim actually benefits you
• What insurance may (and may not) cover based on roof age and condition

Once a claim is filed, it can’t be undone. Calling a roofer first keeps your options open.

Why Calling Insurance First Can Be Risky

Insurance companies don’t see your roof in person when you make that first call. A claim may be opened based on limited information, and that can create outcomes you didn’t expect.

In some situations, calling insurance first can lead to:

• Denied or partially approved claims
• Depreciation or reduced payout on older roofs
• A claim on your record even if no work is done
• Pressure to make decisions before you understand the full picture

Should I file an insurance claim—or just repair the damage myself?

Why a Roofer Assessment Comes First

A trusted local roofer can:

• Inspect storm damage safely and thoroughly
• Document issues with photos and clear notes
• Identify related problems like gutters, flashing, or ventilation
• Explain whether a claim makes sense or if repairs are smarter

This assessment does not force you to file a claim or choose a contractor. It simply gives you clarity.

What Makes Older Roofs Different (15+ Years)

Roof age plays a major role in insurance decisions. If your roof is 15+ years old:

• Insurance may scrutinize damage more closely
• Depreciation can reduce coverage on certain policies
• Minor storm damage may not qualify as a full replacement situation
• Repairs can sometimes extend the life of the roof without a claim

That’s why getting the facts first can protect you from surprises later. LEARN MORE 

Repair vs. Insurance Claim: A Simple Guide

Repair may make sense if:

• Damage is localized (missing shingles, flashing issues, gutter damage)
• The roof is structurally sound
• Repairs are likely below your deductible
• You want to avoid unnecessary insurance complications on an older roof

An insurance claim may make sense if:

• There is widespread storm damage
• Leaks or structural issues are present
• Documentation supports a full scope of work
• It clearly exceeds your deductible and provides real benefit

Knowing which path applies to your roof is the key. LEARN MORE

Why Homeowners Call Mr. GoodRoof First

Homeowners choose Mr. GoodRoof because:

• We’re local and understand how Tennessee storms impact roofs
• We provide honest assessments without pressure
• We handle roof repairs and gutters with in-house teams
• We help you understand your options before a claim is opened
• There’s no obligation to move forward quickly or even use Mr. GoodRoof

Our role is guidance first. You stay in control.

Frequently Asked Questions

Should I call my insurance company if I’m not sure I’ll file a claim?

In many cases, it’s smarter to start with an assessment first. Once a claim is opened, it can become part of your insurance history even if no work is done.

Does calling a roofer first cost anything?

Often, no. In most cases, it’s a simple way to get clarity without committing to a claim or a repair.

Can a roofer help if I do file a claim?

Yes. A roofer can document the damage, provide photos, and help outline the scope so you understand what should be addressed.

What if I decide not to use Mr. GoodRoof?

That’s okay. The goal is to help you make the most informed decision possible. There’s no pressure and no obligation.

Get Clarity Before You Call Insurance

Storm damage decisions shouldn’t be rushed and shouldn’t be made without understanding the full picture.

If you’re wondering “Should I call a roofer or insurance first?” start with information.

Schedule a storm damage assessment with Mr. GoodRoof and decide with confidence.