Insurance Claim
Insurance Claim | Storm Damage Restoration | Roofing | Kodak
When fierce Tennessee weather batters your home, HEP makes recovery simple. Our local experts arrive fast to document every shingle, gutter, and flashing issue, then guide you through the insurance maze so you receive the full benefit you deserve. From tarp-overs that stop further leaks to detailed photo reports for adjusters, we handle the stressful steps—while you keep life moving in scenic Kodak.
Once your claim is approved, our licensed crews swing into action with precision storm damage restoration, using premium materials that stand up to the next round of high winds and hail. We finish most roofs in a day, back our work with industry-leading warranties, and leave your yard cleaner than we found it. Ready for worry-free repairs? One call to HEP does it all.
FAQs
What types of storm damage does my homeowner’s insurance typically cover in Kodak, TN?
Most standard homeowner’s policies in Kodak cover sudden and accidental damage caused by wind, hail, and falling debris—three of the most common storm threats in East Tennessee. Coverage usually includes shingles torn off by high winds, punctures from hailstones, and structural impacts from fallen tree limbs. However, damage caused by flooding or long-term wear may be excluded. Always review your specific policy and endorsements to understand exact inclusions and deductibles.
How do I know if my roof has enough storm damage to file an insurance claim?
After a severe storm, look for visible signs such as missing or creased shingles, dented metal components, granule loss forming bare spots, water stains on interior ceilings, or pieces of shingles on the ground. Because subtle damage can void manufacturer warranties or worsen over time, schedule a free professional inspection. Our Haag-certified inspectors use drones and photo documentation to verify whether the extent meets insurance claim thresholds and provide you with an inspection report to support your filing.
What steps are involved in the insurance claim process for roof storm damage?
1. Emergency measures: If leaks exist, we install tarps to prevent further damage (often reimbursable). 2. Inspection & documentation: We perform a full roof assessment, capture photos, and prepare a written scope. 3. Claim filing: You or your agent call the insurer’s claims hotline and submit our inspection report. 4. Adjuster meeting: We meet the adjuster on-site, explain findings, and ensure all damage (roof, gutters, vents, decking) is noted. 5. Claim approval: The insurer issues an itemized estimate (the “scope of loss”). 6. Restoration: We schedule materials, pull Sevier County permits, and complete roof replacement to code. 7. Final paperwork: We send completion photos and invoices to the carrier, and you receive any remaining depreciation payment.
How long does a typical storm-damage roof replacement take from claim to completion?
The overall timeline is generally 2–5 weeks: • Inspection & claim filing: 1–3 days after your call. • Adjuster meeting & approval: 5–10 business days, depending on insurer workload. • Material ordering & permitting: 3–5 days (specialty shingles can add a week). • Roof replacement: 1–2 days for most Kodak homes under 40 squares. • Final carrier paperwork and depreciation release: about 5–7 days after completion. We streamline each step and keep you informed so weather or supply delays are minimal.
Will I have out-of-pocket costs, and what about my deductible?
Your only guaranteed out-of-pocket expense is the insurance deductible required by Tennessee law. Reputable contractors cannot “waive” or “absorb” it. The carrier typically pays the Actual Cash Value (ACV) up front, then releases the Recoverable Depreciation once the work is finished. If you choose optional upgrades—such as Class 4 impact-resistant shingles or added ventilation—those costs beyond the adjuster’s scope are your responsibility, but we always provide written change orders before proceeding.
How does your company ensure code compliance and quality during roof storm restoration in Kodak?
We pull all necessary permits with Sevier County Building & Codes, follow the 2018 International Residential Code (IRC) adopted by Tennessee, and adhere to manufacturer installation guidelines to preserve your new roof’s warranty. Every project includes synthetic underlayment, ice-and-water shield in valleys, starter strips at eaves and rakes, and proper ridge ventilation. Our crews are covered by workers’ comp and general liability insurance, and a dedicated project manager conducts a final 25-point quality checklist with you on site before closing the job.