Mississippi roofing leads
Summit Leads supplies roofing leads in Mississippi through real-time ping/post, exclusive by default and filtered to the ZIP code. Mississippi has a roofing claims law, amended by House Bill 1408 (2024), that bars deductible rebates and gives homeowners a cancellation window after a claim denial, and FEMA declared five storm disasters there since 2023.
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Mississippi facts for roofing lead buyers
| Fact | Value Source |
|---|---|
| Insurance-paid roof contracts | Insured may cancel within three business days after a written insurer notice that the loss is not covered (Miss. Code 75-24-307, as amended by HB 1408, effective July 1, 2024)House Bill 1408 (As Sent to Governor), 2024 Regular Session: amends Miss. Code 75-24-305, 75-24-307 and 75-24-311 Mississippi Legislature |
| Deductible rebates | A residential roofing contractor may not offer, pay or rebate any part of the insured's deductible as an inducement (Miss. Code 75-24-307(4)(b), effective July 1, 2024)House Bill 1408 (As Sent to Governor), 2024 Regular Session: amends Miss. Code 75-24-305, 75-24-307 and 75-24-311 Mississippi Legislature |
| FEMA major disaster declarations for severe storms, tornadoes or hurricanes | 5 declared January 1, 2023 to October 7, 2026 (DR-4697, 4727, 4790, 4874, 4922)OpenFEMA Dataset: Disaster Declarations Summaries, v2 FEMA |
| Hail records | 131 Storm Events records with event type Hail, 2025 (NOAA NCEI, file dated August 19, 2026)Storm Events Database, 2025 details file (StormEvents_details-ftp_v1.0_d2025_c20260819) NOAA National Centers for Environmental Information |
| Owner-occupied housing units | 801,788 of 1,145,431 occupied units (ACS 5-year 2020-2024)Table B25003, Tenure: Mississippi (ACS 5-Year 2020-2024) U.S. Census Bureau |
| Median year structure built | 1986 (ACS 5-year 2020-2024)Table B25035, Median Year Structure Built: Mississippi (ACS 5-Year 2020-2024) U.S. Census Bureau |
| Housing units built before 1980 | 41.5% (ACS 5-year 2020-2024, table B25034)Table B25034, Year Structure Built: Mississippi (ACS 5-Year 2020-2024) U.S. Census Bureau |
| Residential roofing license | Required for residential roofing over $10,000 (State Board of Contractors, as of October 2026)Frequently Asked Questions (who needs a license) Mississippi State Board of Contractors |
| Emergency license after a disaster | Board may issue one for up to 90 days, extendable by 90 days (Miss. Code 73-59-7, Board compilation 2022)Residential Builders Law 2022 (Miss. Code 73-59 and Board rules) Mississippi State Board of Contractors |
Last reviewed: October 7, 2026. A summary for education, not legal advice.
Mississippi law on insurance-paid roof repairs
This section is general information, not legal advice. It summarizes official sources as of October 7, 2026; check the current text of each rule before relying on it.
Mississippi regulates roofing claims through its Insurance Benefits Roofing Repair Consumer Protection Act, Miss. Code 75-24-301 to 75-24-311. House Bill 1408 (2024 Regular Session, effective July 1, 2024) rewrote section 75-24-307. Before signing, the contractor must hand the insured a 12-point boldface notice and a detachable cancellation form. The insured may cancel within three business days after the insurer says in writing that all or part of the claim is not a covered loss.
The amended section also says a residential roofing contractor may not require payment until that period ends, may not represent or negotiate on the claim until the insured has filed it, may not take anything of value from an attorney for claim referrals, and may not offer, pay or rebate any part of the deductible. A post-loss assignment of benefits may only name the contractor as a co-payee and must carry an itemized description and a 14-point notice.
Licensing is handled by the State Board of Contractors. Its FAQ (as of October 2026) says residential roofing over $10,000 requires a Board license, and the Board's rules let a remodeler applicant take a separate roofer's exam for a license marked residential roofer only. After a disaster, Miss. Code 73-59-7 (Board compilation, 2022) lets the Board issue emergency licenses for up to 90 days, which it may extend by 90 more. Builder and remodeler licensing in general, and in-home sales cancellation, are on leads in Mississippi.
Storm disasters and hail in Mississippi
FEMA's Disaster Declarations Summaries show five Mississippi major disasters for severe storms, straight-line winds and tornadoes declared since January 1, 2023: DR-4697 (March 26, 2023), DR-4727 (August 12, 2023), DR-4790 (June 10, 2024), DR-4874 (May 21, 2025) and DR-4922 (June 30, 2026). FEMA also declared DR-4930 for Tropical Storm Arthur on August 3, 2026; that tropical storm declaration is not in the count of five.
For hail, the NOAA Storm Events 2025 details file lists 131 Mississippi records with event type Hail and 698 with event type Thunderstorm Wind, each dated and tied to a county or forecast zone.
How these were counted: storm figures are 2025 records for Mississippi by event type, one per county or zone per event. Declarations are distinct state major disaster (DR) numbers since January 1, 2023 with an incident type of severe storm, tornado or hurricane, or a title naming one; tropical storms and severe winter storms are excluded.
Mississippi homes by owner and year built
The median Mississippi housing unit was built in 1986, per table B25035 (ACS 5-year 2020-2024), and table B25034 puts the share built before 1980 at 41.5% in the same 2020-2024 estimates.
Ownership is counted in table B25003 (ACS 5-year 2020-2024): 801,788 owner-occupied units among 1,145,431 occupied units. Only the owner of a home can sign a roofing contract or file the homeowners claim that pays for one.
What Mississippi roofing buyers filter on
- Insurance claim status: whether a claim is filed. The roofing claims act limits what a contractor may do before filing and lets the insured cancel after a denial.
- ZIP code: buyers pick the ZIP codes in counties named in a recent storm declaration or hail report.
- Homeowner status: only owners, since renters cannot sign or file the claim.
- Project type: storm repair, inspection or full roof replacement.
Where buyers filter in Mississippi
Below are the largest metro areas with Mississippi counties in the Census Bureau's July 1, 2025 estimates. The Memphis figure covers the whole three-state metro, and a buyer can take its Mississippi ZIP codes alone.
- Jackson: 609,847 (July 1, 2025 estimate)
- Gulfport-Biloxi: 431,329 (July 1, 2025 estimate)
- Memphis, TN-MS-AR: 1,341,412 (July 1, 2025 estimate, whole metro area)
- Hattiesburg: 158,014 (July 1, 2025 estimate)
Source: Metropolitan and Micropolitan Statistical Area population estimates, Vintage 2025 (cbsa-est2025-alldata), U.S. Census Bureau.
Consent records for Mississippi roofing leads
Each Mississippi roofing lead comes with the TCPATCPAThe Telephone Consumer Protection Act, the federal law that governs telemarketing calls and texts, autodialers, prerecorded voice messages and the Do Not Call Registry. Glossary consent record captured when the homeowner submitted the form. Mississippi call rules are in the state telemarketing laws table, and the multi-vertical page for the state is leads in Mississippi.
Mississippi roofing lead questions
Can a Mississippi roofer pay or waive the homeowner's deductible?
No. Miss. Code 75-24-307, as amended by House Bill 1408 (effective July 1, 2024), bars a residential roofing contractor from offering, paying or rebating any part of the insured's deductible as an inducement. This is general information, not legal advice.
When can a Mississippi roofer talk to the insurer for the homeowner?
Not before the insured files the claim. After filing, the insured may include the contractor in communications with the insurer, under the same 2024 amendment. This is general information, not legal advice.
Does Mississippi license residential roofers?
Yes. The State Board of Contractors (as of October 2026) requires a license for residential roofing over $10,000, and its rules provide a residential roofer subclassification with its own exam.
Can a buyer take only the Mississippi side of the Memphis metro for roofing leads?
Yes. Orders are filtered by ZIP code, so a buyer can select only the Mississippi ZIP codes in the Memphis metro. Roofing leads are exclusive by default, with shared delivery on request.
Request Mississippi roofing leads
Email us the Mississippi ZIP codes you cover, your daily volume or caps and how you take delivery. ReturnReturnA buyer's request for credit on a lead that fails agreed standards, such as a disconnected number, a duplicate or a lead outside the filters. Glossary terms are agreed on the onboarding call, before you go live.
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