Memphis Premium Roofing provides professional insurance claim help in Memphis, TN for residential and commercial properties across the Mid-South. Most of what this site argues about, the chimney anchorage and the parapets and the deck-to-wall connections, is work insurance will not pay for. Tennessee's insurance department states plainly that traditional homeowners and business policies do not cover earthquake damage.
Earthquake coverage in this state is a separate purchase, and its deductible is a percentage rather than a flat figure. The department's published example uses ten percent of a $200,000 dwelling, which is twenty thousand dollars out of pocket before the policy pays anything. That is worth knowing before you assume the seismic side of your roof is somebody else's financial problem. It is yours, and you should hear that from a roofer rather than from an adjuster.
What your policy does cover here is wind and hail, and that is where claim help is real and worth having. The Mid-South produces enough of both that most Memphis roofs will be the subject of at least one claim in their lives, and the difference between a paid claim and a denied one is usually the quality of the documentation, not the severity of the damage. Nobody should plan around a claim that does not exist.
So we document before we advocate. Dated photographs by slope, test areas with strike counts, measurements of the affected area, the roof's age and layer count, and a line-item scope written the way an adjuster reads one. When the adjuster comes out we meet them on the roof, which is a different conversation from meeting them in the driveway.
Where claims usually go wrong is the supplement. Code-required items, ice-and-water at the eaves, drip edge, proper flashing at masonry, decking that fails inspection, are frequently missing from the first estimate and are frequently payable. Asking for them with photographs and a code reference attached works. Asking for them by phone does not. Get the supplement agreed in writing before the work starts.
Two refusals, stated up front. Age-related deterioration does not become storm damage because it would be convenient, and calling it that is fraud with your name on the file rather than ours. We also do not absorb or rebate deductibles to win work, whatever the truck in your neighbour's driveway is promising this week. Both of those positions cost us jobs and both of them are the right call.
Our licensed and insured team brings the right materials and equipment to every job — two 3/16-inch by 1-inch chimney anchor straps at the roof line, twelve-inch strap embedment into a masonry chimney, roof-deck subdiaphragm crossties in the perimeter bays, parapet height-to-thickness bracing ratio, wall anchors at six-foot maximum spacing, out-of-plane wall anchorage at 42 pounds per square foot — and backs the work with a written workmanship warranty. We serve Memphis and nearby communities including Bartlett, Collierville, Germantown, Millington.
What We Handle
Everything our insurance claim help in Memphis covers
One crew, one point of contact, and the full range of insurance claim help work in Memphis, TN. If it is on this list we do it in house rather than handing it to a subcontractor:
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Not sure which one describes your situation? Describe it in plain words and we will sort it out — or browse the rest of our Memphis services.
Materials, equipment and how we do insurance claim help
The difference between insurance claim help that lasts and insurance claim help that gets redone in three years is almost always preparation and materials, not the finish you see on day one. We work with two 3/16-inch by 1-inch chimney anchor straps at the roof line, twelve-inch strap embedment into a masonry chimney, roof-deck subdiaphragm crossties in the perimeter bays, parapet height-to-thickness bracing ratio, spec them to the job instead of to the invoice, and write the material grades into the free estimate so you know exactly what you are buying.
Every Memphis job runs the same way: site walk and measurements, written scope and fixed price, protection of the surrounding area, then the work itself with a daily clean-up. Years of roofing work in the Mid-South means we have already met whatever your property is going to throw at us — awkward access, older construction, an HOA with opinions.
Where we do insurance claim help outside Memphis
Memphis Premium Roofing covers Memphis and the surrounding communities of the Mid-South. Crews run out to the same nearby cities every week, so an out-of-town job does not mean an out-of-town price.
- Insurance Claim Help in Bartlett, TN — Shelby County, population 57,786
- Insurance Claim Help in Collierville, TN — Shelby County, population 51,324
- Insurance Claim Help in Germantown, TN — Shelby County, population 41,333
- Insurance Claim Help in Millington, TN — Shelby County, population 10,582
- Insurance Claim Help in Arlington, TN — Shelby County, population 14,549
- Insurance Claim Help in Lakeland, TN — Shelby County, population 13,904
Start on the Memphis Premium Roofing homepage for a free estimate, or call (844) 511-2320 and describe the job.
Why Memphis Chooses Memphis Premium Roofing
- ✓Every proposal states the new covering's dead load in pounds per square foot next to the load of whatever comes off, because Shelby County is a Seismic Design Category D jurisdiction and weight is not a decorative question here.
- ✓Our inspection report includes the chimney's anchorage at the roof line, the parapet's unbraced height and the deck fastening where it meets masonry, three findings that are almost never on a Memphis roof report.
- ✓We tear off rather than overlay, because a tear-off is the only hour in which the chimney straps, the deck fastening and the top of the wall are all visible at the same time.
- ✓We turn down tile on existing stick-framed houses unless a Tennessee-licensed structural engineer has written down what the framing can carry, and we will help you find that engineer.
The standards behind insurance claim help
Quality here is not a matter of opinion — it is written down. The insurance claim help work we do in Memphis follows published industry standards: NRCA publishes the Roofing Manual, the industry's reference for details and slope minimums, and Asphalt Roofing Manufacturers Association sets the shingle application and ventilation guidance the warranties reference. If a contractor cannot tell you which standard a detail comes from, that is worth asking about before you sign.
Every insurance claim help project in Memphis gets the same attention, whether it is a single room or a full commercial job. We show up on schedule, keep the site clean, and stand behind the work — the estimate is free and there is no pressure.
Ready to get started? Call (844) 511-2320 for a free insurance claim help free estimate in Memphis, or request a quote and we'll get right back to you.