Before You Call Insurance

If Your Roof Is 15+ Years Old, Read This First

If your roof took storm damage, but you’re not sure how serious it is—and your roof is 15 years or older—calling your insurance company first isn’t always the safest move.

In some cases, it can actually limit your options and cost you more in the long run.

That’s why homeowners across Middle Tennessee call Mr. GoodRoof before they file a claim.

Why Older Roofs Require a Different Approach After a Storm

When insurance companies evaluate storm damage, roof age matters.

If your roof is 15+ years old, an adjuster may:

  • Attribute damage to wear and tear
  • Approve only partial repairs
  • Deny coverage entirely
  • Or require full replacement within a short timeframe

Once a claim is filed, those decisions are often out of your control.

Calling insurance too early can turn a manageable repair into a forced, expensive decision.

Tree damage to a roof in nashville tn
Gutter falling away from a roof

The “Free Roof” Myth (And Why It Backfires)

Many roofing companies present storm damage as simple:

“Call insurance. Get a free roof.”

But that advice usually comes from contractors who:

  • Don’t offer repairs & Only make money on full replacements

That’s not neutral guidance—it’s a sales funnel.

At Mr. GoodRoof, we approach storm damage differently.

What Makes Mr. GoodRoof Different

We don’t start with replacement—we start with assessment.

Our Storm Damage Assessment is designed to help homeowners with older roofs make the most informed decision possible, without pressure.

What We Do:

  • 1
    Inspect your roof and gutters
  • 2
    Identify visible and hidden storm damage
  • 3
    Explain what insurance is likely to do before you file
  • 4
    Walk through claim vs. repair scenarios
  • 5
    Provide honest recommendations based on your roof’s condition—not sales goals

Because we have in-house repair teams, we’re not forced to push replacement when it’s not necessary.

When It Often Makes Sense to Call Us First

This assessment is especially valuable if:

  • Your roof is 15+ years old
  • Damage looks minor or unclear
  • You see things like lifted shingles, punctures, or gutter issues
  • You’re unsure whether damage exceeds your deductible
  • You want to avoid surprises with your insurance company

In many cases, homeowners tell us:

“I’m glad I talked to you before calling insurance.”

Find out more about repair vs an insurance claim, and when it makes sense to contact us first here

Mr goodroof repair van

Schedule a Storm Damage Assessment

If your roof is older and you’re unsure what to do next, start with clarity—not a claim.

👉 Schedule your Storm Damage Assessment with Mr. GoodRoof today.

We’ll help you decide the smartest next step—before insurance turns it into a bigger problem.

Free Inspection Form:

Fill out the form below to request your free roofing inspection. One of our team members will review your request and get in touch with you to schedule an appointment.

Best Roofing Company Near Me in Middle Tennessee - roofing company near me

Call for immediate assistance.

⚠️Emergency Repairs? We’re on it.
📅 Same-Day Appointments Available
✅ Free Inspection