Insurance Claim Roofing in Marrero, LA
Not every storm that damages a Marrero roof has a name. We record the weather behind each loss, because your policy decides what that weather means for the deductible.
People on the West Bank tend to brace for hurricanes. Yet several of the storms that damaged Marrero roofs were tornadoes on ordinary spring and winter days, with no name from the National Hurricane Center attached.
That difference can matter when you open a claim. Many homeowners policies carry a deductible of their own for hurricanes or named storms, and the policy itself spells out which kind of event switches it on. Epic Roofing does not read your policy for you. What we do is document the roof so each loss is tied to its date and to the weather that caused it, and you take the deductible question to your agent.
Marrero Storms That Came Without a Name
Marrero's surveyed tornadoes came on dates with no storm name beside them. Before dawn on March 19, 2008, a tornado damaged 13 homes along an intermittent path of about 3.1 miles, snapping large hardwood trees onto roofs. On May 12, 2017, an EF0 ripped two carports off houses on Mt. Revarb Street. On the evening of May 2, 2025, a brief EF-0 touched down by Belle Terre Playground, flipped a shed, and did minor roof damage to homes before it lifted near Victorian Drive. Two more surveyed tornadoes crossed Marrero on December 25, 2012, and December 14, 2022.
None of those had a name. The line can also blur. On September 2, 2008, the day after Hurricane Gustav came ashore, spotters reported a tornado moving from Marrero into Metairie, a report with no damage survey on record that arrived while a named storm was still in the news.
What the state insurance department has told insurers
Under Louisiana law, a storm is considered named once the National Hurricane Center declares it so, and homeowners policies may carry a separate deductible for named storms or hurricanes. Which event triggers that deductible is another matter. In an advisory letter first issued in 2018 and reissued on November 8, 2023, the Louisiana Department of Insurance told insurers that the policy is a contract and that each insurer may use its policy to determine the event that triggers a separate deductible and its amount. Some insurers use the hurricane center naming the storm as the trigger. Others write their own definition into the policy form. Ask your agent how this applies to your policy.
Before anyone can apply the policy's wording to a loss, someone has to know what the weather actually was on the day the roof was damaged. That is the part a roofer's file can supply.
Four Things Each Marrero Storm Report Records
When we inspect a Marrero roof after wind damage as part of our insurance claim roofing, the photos from that visit go into your CompanyCam album under its date, and the written report covers four things:
When it happened:
The date of the storm and the date we inspected, plus the date you first saw damage if that came later. A leak found a week after a tornado should still be tied to the tornado.
What the weather was, as published:
Tornado, thunderstorm wind, or a named storm, with the name if there was one, as the public weather reports describe it. We record public reports; we do not classify your loss for the policy.
What hit the roof.
Wind lifting the shingles reads differently from a limb or a neighbor's shed landing on them. The photos show, slope by slope, any attic stains or wet decking below.
What was already there.
Older patches, earlier tarps, and any repair from a past storm are photographed and labeled, so damage from 2022 does not get folded into a 2025 report.
Unnamed Storms and Marrero Claims
The tornado on our Marrero street had no name. What in the file shows that?
The dated photos and report from that visit, with the weather recorded as a tornado. If the weather service surveyed it, keep a copy of that survey with the file. Whether your policy treats that differently from a hurricane loss is in your policy wording, so ask your agent.
How would we know whether a tornado was confirmed where we live?
The National Weather Service publishes damage surveys for tornadoes it confirms, with the rating and the path. Some reports never get a survey, like the one spotters made in Marrero after Gustav in 2008. Where a survey exists, it is worth keeping with the roof photos.
A spring tornado and a later hurricane both damaged our roof. Are they recorded together?
No. Each visit's photos and report carry their own date, even if the second storm hit the slope the first one damaged. How the two losses are handled under your deductibles is a question for your agent.
Can Epic say which deductible applies to our claim?
No. Matching a loss to a deductible means reading the policy, which is work for your agent and your insurer. We supply the roof facts the question depends on: what was damaged, when, and in what weather.
Will the patch from the December 2022 tornado confuse a new claim?
Keep the invoice and any photos from that job; they show which shingles were already replaced. If those are gone, we photograph the patched area and label it as earlier work, and how the claim treats it is a matter for you and the carrier.
What if a subtropical storm with a name reaches Marrero?
It depends on the policy. A deductible written for any named storm can work differently from one written only for tropical storms and hurricanes. We record the storm's name and its published classification on that date, and your agent can tell you which way your deductible is written.
Our Part in a Marrero Claim, Start to Finish
Whether or not a claim is open yet, the free inspection is the same: drone photos of each slope, the attic where it can be reached, and a moisture-meter or infrared reading if water has come inside. Opening the claim stays with you. You receive the photos and a written, itemized scope within 2–5 business days, with no deposit at that first visit.
Should you invite us to the adjuster's inspection, we will document the scope and present it to the carrier's adjuster with the dated photos in hand. Carriers whose adjusters we have met include State Farm, Allstate, National General, Louisiana Citizens, USAA, and others. Louisiana RS 22:1684 bars roofers from serving as public adjusters, so we do not negotiate or settle claims. We also do not interpret coverage or say what a policy pays. No contractor may legally cover or waive a deductible in Louisiana.
Once the claim is settled, or if you decide to pay for the work yourself, the itemized scope shows which job you are pricing: Marrero roof repair when the damage stays in a few spots, or a roof replacement in Marrero when it runs across most of the roof.
Start a Marrero Storm Album
A free Marrero roof inspection starts with a call to 225-396-8122. Bring whatever you have: the dates you noticed damage, adjuster letters, old invoices, and your own photos taken before cleanup. We will add them to your file with their dates. A dated file still earns its keep when no claim follows, and the work turns out to be routine roofing in Marrero.
137 Girod Street, Suite 3, Mandeville, LA 70448
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