Have You Noticed Leaks in Your Windows or Brown Spots on Your Ceiling? What They Could Mean for Your Roof – and How MJT Roofing Can Help

Have you ever noticed leaks around your windows or brown spots appearing on your ceiling? It’s easy to brush these signs off as minor issues, but they could indicate a bigger problem: hidden damage to your roof. Often, this kind of damage is the result of past weather events—storms, high winds, hail—that have taken their toll on your roof over time. What’s more, this damage may continue to expand and get worse, leading to more costly repairs if left unchecked.

At MJT Roofing, we understand that the insurance claims process can feel complicated, but we’re here to help you navigate it with ease. In this blog, we’ll break down the entire roofing claims process and explain how MJT Roofing works with homeowners to ensure the best possible outcome. Whether you’re just beginning to suspect roof damage or you’ve already dealt with storm-related issues, we’re here to guide you step-by-step.

Step 1: Noticing the Signs of Roof Damage

Let’s start with the basics. When you see signs like water stains on your ceiling or small leaks around your windows, they could be connected to your roof, even if the damage isn’t obvious from the outside. Here are a few things that may indicate your roof has suffered weather-related damage:

• Brown or yellow spots on ceilings or walls: These can appear due to moisture seeping in through compromised roofing materials.
• Leaky windows: If you’ve noticed moisture around your window frames, it could be coming from roof damage that’s allowing water to run down into other parts of your home.
• Missing or damaged shingles: A quick look at your roof may show missing, cracked, or curling shingles, which are all signs of weather damage.

What many homeowners don’t realize is that roof damage from a storm may not show up immediately. Over time, small issues can become bigger problems as water infiltration weakens the structure of your roof. The sooner you act, the easier it is to avoid more extensive (and expensive) repairs.

Step 2: Contact MJT Roofing for a Free Inspection

If you suspect any damage to your roof, the next best step is to call in the experts. At MJT Roofing, we offer free, no-obligation inspections. Our team is trained to spot the subtle signs of roof damage that you may not see from the ground, and we’ll provide a thorough assessment of your roof’s condition.

Here’s what we’ll do during the inspection:

• Examine the exterior: We’ll check for any obvious issues like missing shingles, cracked flashing, or other areas of wear and tear caused by storms or aging materials.
• Assess interior damage: If you’ve noticed leaks or stains, we’ll investigate the affected areas inside your home. This can help us track the source of the issue and determine if it’s related to your roof.
• Document the findings: We’ll take photos and notes to give you a clear understanding of what’s going on. If we find significant damage, we’ll also create a report that you can use when filing your insurance claim.

Our goal is to provide you with an honest, professional assessment of your roof so you can make an informed decision about next steps.

Step 3: Filing Your Insurance Claim

Once you have the results from the inspection, and if the damage is significant enough to warrant an insurance claim, MJT Roofing will help guide you through the next stage: filing your claim.

Here’s what you can expect:

• Contact your insurance provider: Let them know about the damage, providing the details MJT Roofing has gathered. Be prepared to give information about the date of the storm or event that caused the damage.
• Schedule an adjuster inspection: After you’ve filed your claim, your insurance company will send an adjuster to inspect the damage. This is where having MJT Roofing on your side is a real advantage. We can meet with the adjuster to ensure all damages are properly noted and covered in your claim.

Remember, this step isn’t just about assessing the visible damage—it’s about ensuring the full extent of the issue is recognized. Often, damage that starts out small can grow over time, so it’s essential to have a professional present who understands the roofing industry.

Step 4: Understanding the Insurance Estimate

Once the adjuster has completed their inspection, your insurance company will provide a detailed estimate of the cost to repair or replace your roof. This document can feel a little overwhelming, especially if you’re unfamiliar with roofing terms or insurance jargon. But don’t worry, MJT Roofing will help you every step of the way.

Here’s how we’ll assist:

• Review the estimate: We’ll compare the insurance company’s estimate with our own inspection report to ensure all necessary repairs are covered. If we see any discrepancies, we’ll work with you to request a revised settlement.
• Explain the details: Many homeowners are unfamiliar with terms like “actual cash value” (ACV) and “replacement cost value” (RCV). We’ll break down the insurance details so you know exactly what to expect in terms of coverage and payments.

If the insurance company’s initial offer is too low, MJT Roofing can help file a supplemental claim to ensure all repairs are properly covered.

Step 5: Repairing or Replacing Your Roof

Once your claim is approved, it’s time to start the repair or replacement process. MJT Roofing will make this as smooth and stress-free as possible.

Here’s what you can expect:

• Schedule the project: We’ll work with you to set a timeline that’s convenient and ensures your home is protected from further damage.
• High-quality materials: We only use premium materials for our roofing projects, so you can be confident your new roof will last.
• Expert craftsmanship: Our team of experienced roofers will complete the job with precision and care, keeping you informed along the way.

We understand that a roof repair or replacement can feel like a big undertaking, but we’ll ensure the project is completed on time and with the highest standards of quality.

Step 6: Completing the Claims Process and Final Payment

Once your roof is repaired or replaced, there’s one final step: handling the remaining payments. At MJT Roofing, we make this easy by working directly with your insurance company to finalize all the paperwork.

Here’s how it works:

• Homeowner deductible: You’ll be responsible for paying your deductible, which is the amount specified in your insurance policy.
• Final payment: Once the job is completed, the insurance company will release any remaining funds. MJT Roofing will handle the documentation to ensure everything is in order.

We’ll make sure the entire process is as seamless as possible, so you can focus on enjoying the peace of mind that comes with a newly repaired roof.

Trust MJT Roofing to Handle Your Roofing Claims

At MJT Roofing, we pride ourselves on being more than just a roofing contractor. We’re a partner you can trust to guide you through every aspect of the insurance claims process. From the initial inspection to the final payment, our team will be there to ensure everything goes smoothly and that your home is properly protected.

If you suspect your roof has been damaged or you’re seeing signs like window leaks or ceiling spots, don’t wait—reach out to MJT Roofing for a free inspection today. We’re here to help you protect your home and navigate the insurance claims process with ease.