Everything you need to know before filing your Homeowners insurance claim

After a powerful storm rolls through Michigan, your first instinct might be to call your insurance company. But when it comes to roof damage, filing a claim too early could actually cost you.

Here’s what you need to know before you make that call:

Why You Shouldn’t Call Insurance First

Filing a claim without knowing the full extent of the damage can backfire. If the adjuster comes out and doesn’t see enough damage to justify a claim, that visit still goes on your record — even if you get denied. Too many of these, and your premiums can rise or future claims can be denied.

What to Do Instead

Call a trusted local roofing specialist first. A professional inspection ensures any damage is properly identified, documented, and clearly presented. At MVP Home Specialists, we spot what insurance adjusters often miss and help build a strong case before a claim is ever filed.

Signs of Storm Damage to Watch For:

• Missing or lifted shingles

• Dents or bruising from hail

• Granule loss (look in gutters)

• Leaks or water spots inside your home

• Exposed flashing or lifted nails

Protect Your Roof — and Your Wallet

We fight on your behalf to help you get the coverage you deserve, and we never recommend filing unless it makes sense. Book a free roof inspection today and let us take the first swing.