Insurance Claim Assistance
Insurance Claim Assistance | Roof Replacement | Roofing | Speedwell
When storms hammer Speedwell, HEP swoops in with fast, friendly expertise that turns insurance red-tape into a smooth, stress-free path back to a secure home. Our seasoned project managers document damage, meet adjusters on-site, and translate policy jargon so you know exactly what’s covered—no surprises, no headaches. While your claim is being processed, our crews schedule materials, protect exposed areas, and keep you informed every step of the way.
As soon as the green light comes from your insurer, we mobilize licensed, manufacturer-certified installers to deliver a flawless roof replacement that restores curb appeal and long-term performance. From first inspection to final shingle, you can count on HEP’s local reputation for integrity, craftsmanship, and clear communication—because neighbors helping neighbors is how Speedwell stays strong.
FAQs
How do I know if my storm-damaged roof in Speedwell qualifies for an insurance claim?
Most homeowner policies cover sudden and accidental damage caused by wind, hail, falling debris, or lightning. If your shingles are bruised, cracked, missing, or if metal components show dents or granule loss, there’s a good chance you have a valid claim. Our inspectors are HAAG-certified and trained to document damage according to insurer guidelines. We provide a free on-site assessment, photo report, and a written opinion you can give to your adjuster to help verify that the damage meets the policy’s definition of a covered peril.
What is the step-by-step process your company follows when assisting with a roof insurance claim?
1) Free inspection and documentation of damage. 2) Review of your policy’s coverage, deductible, and exclusions. 3) Filing or supplementing the claim with your carrier and scheduling the adjuster meeting. 4) Meeting the adjuster on-site to ensure all damage is noted and code upgrades are included. 5) Reviewing the insurer’s estimate for accuracy; we submit any necessary supplements. 6) Finalizing scope, ordering materials, and scheduling the roof replacement. 7) Completing the roof to local code and manufacturer specs, then sending photos, invoices, and completion docs to the carrier for release of depreciation funds.
Will filing a roof claim raise my homeowner insurance premium in Speedwell?
Tennessee insurers typically cannot raise your rate for a single weather-related claim, because storms are classified as “Acts of God.” However, they can increase rates area-wide after a large catastrophe or if you have multiple claims in a short period. We encourage you to weigh your deductible and potential repairs cost before filing, but one legitimate storm claim rarely triggers an individual surcharge.
How much will I have to pay out of pocket for my roof replacement?
If your claim is approved, you are generally responsible only for your deductible and any non-covered upgrades you choose (for example, upgrading from a 3-tab to an architectural shingle). We leverage Xactimate pricing—the same software most insurers use—to make sure the settlement covers all code requirements, underlayment, flashing, and ventilation so surprise charges are minimized.
How long does the entire claim and roof replacement process take in Speedwell?
Timeframes vary by carrier, but most claims are settled within 1–3 weeks of the adjuster inspection. Once we receive the approved scope of work, we can normally schedule your roof replacement within 7–10 business days, weather permitting. The actual tear-off and installation of an average 2,000-sq-ft roof takes 1–2 days, and final paperwork with the insurer is completed within a week after that.
Can you work with my mortgage company to get the final insurance check endorsed?
Yes. If your mortgage lender is listed on the insurance payment, we handle all paperwork: claim summary, contractor license and W-9, lien waiver, and final inspection photos. We overnight the package, track the endorsement status, and can even notarize documents in-house. This service ensures you receive your depreciation funds quickly and your project stays on schedule.