Insurance Adjuster
Insurance Adjuster | Storm Damage Restoration | Roofing | Luttrell
When fierce East Tennessee weather batters your Luttrell home, HEP’s insurance adjuster roofing crew is ready for fast, no-stress storm damage restoration. Our Haag-certified inspectors meet your adjuster on-site, document every shingle bruise and flashing tear, and translate industry jargon into clear options you can trust. From emergency tarping to a watertight new roof, we repair with premium materials that match your home’s style and your policy’s requirements—often at little or no out-of-pocket cost.
Because we’re both roofers and claim specialists, we keep the process moving, so you can get back to normal life while we chase approvals, schedule crews, and leave the jobsite spotless. Call today, and enjoy the peace of mind that comes from having Luttrell’s hometown experts shoulder the paperwork and the hammer work alike.
FAQs
What should I do immediately after my roof is damaged by a storm in Luttrell?
First, make sure everyone in the home is safe and avoid any areas where water may be leaking through the ceiling. If possible, take photos or videos of the visible damage from the ground—do not climb onto the roof. Call our office right away so we can schedule an emergency inspection; we can often tarp exposed areas the same day to prevent further interior damage. Next, notify your insurance company that you intend to file a claim. Our team will guide you through every step and meet your adjuster on-site to document the loss properly.
How does your company work with insurance adjusters during the claim process?
We act as your advocate. After our certified roof inspector completes a detailed assessment, we prepare a written report and photo documentation that meets insurance carrier guidelines. We then coordinate a joint inspection with the insurance adjuster, walk the roof together, and compare findings. If discrepancies arise, we supply additional evidence, including aerial imagery and industry-standard estimating software, to ensure all legitimate storm-related damages—shingles, decking, flashing, gutters, ventilation, and interior repairs—are included in the scope. This collaborative approach speeds up approvals and minimizes out-of-pocket costs for you.
What types of storm damage are typically covered by homeowners insurance in Tennessee?
Most standard policies cover sudden and accidental damage caused by wind, hail, falling trees or limbs, and wind-driven rain that compromises the roof system. Coverage usually extends to shingles, underlayment, flashing, vents, skylights, gutters, and any resulting interior water damage such as stained drywall or ruined insulation. However, insurance does not cover wear-and-tear, improper installation, or pre-existing leaks. We review your policy language with you to clarify deductibles, exclusions, and endorsements so there are no surprises during the claim.
How long does a storm damage roof inspection and estimate take?
A typical on-site inspection in Luttrell lasts 30–60 minutes, depending on roof size, pitch, and accessibility. Using drones and moisture meters, we can assess steep or complex roofs efficiently while gathering precise measurements. We provide an initial verbal overview before leaving your property, and a written estimate—complete with photos and a recommended repair or replacement plan—within 24 hours. If your claim is time-sensitive, we can often deliver the full estimate the same day.
Will my insurance rates go up if I file a storm damage roof claim?
Storm events in Tennessee are generally classified as "Acts of God," meaning they are outside the homeowner’s control. Insurers typically cannot raise a single policyholder’s premium solely for filing a legitimate storm claim. However, they may increase rates across an entire region if the storm caused widespread losses. Because rate adjustments are area-wide, you will likely pay the higher premium whether or not you file—so it’s usually in your best interest to submit a claim and get your roof restored properly.
Why choose a local Luttrell roofing contractor for storm damage restoration?
Local contractors understand East Tennessee’s building codes, permitting requirements, and weather patterns, which helps ensure your new roof is built to withstand future storms. We’re fully licensed and insured in Tennessee, have established relationships with area suppliers for faster material availability, and stand behind our workmanship with written warranties you can easily enforce. Unlike out-of-town “storm chasers,” we’ll be here long after the job is finished for follow-up inspections, maintenance, or warranty service—all just a short drive away.