Insurance Claim
Insurance Claim | Storm Damage Restoration | Roofing | Briceville
When hail, high winds, and driving rain sweep through Briceville, homeowners know they can rely on HEP’s licensed roofing specialists for fast, dependable storm damage restoration. We’re a local team that shows up when the skies clear, offering complimentary inspections that document every missing shingle, punctured underlayment, and bruised asphalt tab. Our inspectors photograph the damage, explain what’s urgent, and give you a clear repair roadmap—so you never feel left in the dark about your roof’s condition.
We also make the insurance claim process refreshingly straightforward. HEP’s estimators meet your adjuster on-site, supply detailed Xactimate reports, and advocate for the full scope of repairs your policy allows. Once approved, our crew installs premium Owens Corning materials, completes meticulous clean-up, and backs the work with industry-leading warranties. From the first phone call to the final nail, we handle every step with the care and craftsmanship Briceville families deserve—restoring your roof, your home, and your peace of mind.
FAQs
How do I know if my roof in Briceville has storm damage that qualifies for an insurance claim?
After a severe wind or hail event, look for missing shingles, lifted shingle edges, dented metal flashing, granule loss that exposes the asphalt mat, or water stains on your ceilings. Because some damage can be hard to see from the ground, we provide free, no-obligation roof inspections using drones and HAAG-certified technicians. We document all visible and latent damage with photos and a written report that can be sent directly to your insurer, helping establish that the storm—not normal wear—caused the problem.
What steps should I take immediately after a storm to start the roofing insurance claim process?
1. Document the damage: Take clear photos or video of any visible roof, gutter, siding, or interior water damage as soon as it is safe. 2. Prevent further loss: Cover openings with tarps or plywood; insurers usually require you to mitigate additional damage. 3. Call your insurance company: Report the date of loss and request a claim number. 4. Schedule a professional inspection: We can meet you the same day, verify the extent of damage, and provide an estimate that matches local Briceville pricing guides (Xactimate®). 5. Arrange an adjuster meeting: Upon request, our project manager will be on-site when the adjuster arrives to ensure nothing is overlooked.
Will filing a storm damage claim raise my homeowner’s insurance premiums?
In Tennessee, storm and hail damage are generally considered “Acts of God,” so a single claim for legitimate storm damage rarely triggers an individual rate hike. Carriers may raise premiums across an entire ZIP code after a major weather event, regardless of whether you file a claim. If you forgo repairs, you risk leaks and structural problems that cost far more than any modest premium change. We can review your policy with you so you understand potential cost impacts before you file.
How long do I have to file an insurance claim for roof storm damage in Tennessee?
Most homeowner policies give you 12 months from the date of loss to file a claim, but some carriers allow only 180 days. Because storms in Briceville often hit in spring and fall, it is best to start the process within a few weeks while evidence is fresh and before more weather erodes the damage. We keep detailed records and can pull NOAA storm data to confirm the exact storm date if you are unsure.
What does your roofing company do to help with the insurance claim process?
• Comprehensive inspection: We locate and document all storm-related damage. • Claim assistance: We help you file paperwork, supply photos, and use insurance-approved estimating software so our scope matches the adjuster’s. • Adjuster representation: A certified team member meets the adjuster on your roof to advocate for full, code-compliant repairs. • Supplement handling: If hidden damage is found mid-project, we submit supplements with proper documentation, so you pay only your deductible. • Code compliance: We ensure upgrades required by current Tennessee or Anderson County building codes are included in your claim.
Can I upgrade my roofing materials during storm damage restoration, and how is the cost handled by insurance?
Yes. Insurance will pay to restore your roof to its pre-loss condition using materials of “like kind and quality.” If you wish to upgrade—from 3-tab shingles to architectural shingles or to add impact-resistant shingles, metal panels, or enhanced ventilation—you only pay the difference between the insurance settlement and the upgraded material cost. We provide side-by-side pricing so you can decide whether the long-term energy savings or increased home value justify the out-of-pocket expense.