Insurance Adjusters
Insurance Adjusters | Storm Damage Restoration | Roofing | Tullahoma
When Tullahoma’s skies unleash hail, high winds, and driving rain, you need a partner who can untangle the insurance maze and put a sturdy roof back over your head—fast. HEP’s licensed insurance adjusters specialize in storm damage restoration, combining decades of roofing expertise with insider knowledge of claim requirements. We arrive quickly, document every missing shingle, dented gutter, and soaked attic beam, then translate that evidence into a clear, comprehensive claim that helps you secure the payout you deserve.
Once approval is in motion, our crews get to work with premium Owens Corning materials, tidy job sites, and workmanship warranties that outlast Tennessee’s wildest weather. From the first free inspection to the final nail, we keep you informed, advocate on your behalf, and restore your home with craftsmanship that’s as dependable as our southern hospitality.
FAQs
How can I tell if my roof has storm damage after a severe weather event in Tullahoma?
Look for obvious signs such as missing or lifted shingles, dented metal vents, granule accumulation in gutters, water stains on interior ceilings, or pieces of shingles in the yard. Hail often leaves bruises or soft spots you can feel when pressing on a shingle. Wind can crease or snap shingle tabs along ridgelines. Because some damage is subtle and may void manufacturer warranties, we recommend scheduling a free, no-obligation inspection within 24–48 hours of a storm. Our Haag-certified inspectors use drones and moisture meters to document every impacted area so you can decide whether a claim is necessary.
What should I do before filing an insurance claim for roof storm damage?
1) Photograph or video every visible sign of damage—roof, siding, gutters, attic, ceilings, and personal property. 2) Prevent further damage by tarping leaks or moving valuables; most policies require you to mitigate losses. 3) Review your policy’s deductible, wind/hail exclusions, and Actual Cash Value (ACV) vs. Replacement Cost Value (RCV) wording. 4) Call a trusted local restoration contractor—like us—before or at the same time you call your carrier. We’ll provide a detailed damage report and cost estimate that you can submit with the claim, helping you avoid underpayment or denial.
How do you interact with the insurance adjuster to make sure I receive a fair settlement?
Our project manager meets the adjuster on-site, points out all storm-related damages, and supplies infrared images, slope measurements, and Xactimate-formatted estimates that match insurer guidelines. Because we understand Tennessee building codes and manufacturers’ installation requirements, we negotiate for code upgrades (drip edge, ice & water shield, ventilation) and supplemental items that carriers often overlook. Once the scope is approved, we review it with you line-by-line so you know exactly what your policy is paying for and what, if anything, you owe beyond your deductible.
Do you provide emergency tarping or temporary repairs, and are those costs covered by insurance?
Yes. We offer 24/7 emergency tarping, board-ups, and minor leak repairs to keep water out until permanent work can begin. Most homeowners’ policies reimburse reasonable temporary-protection expenses when the damage is storm-related. We document the materials, labor hours, and photos, then submit that invoice directly to the carrier as part of your claim file so you are not left paying out of pocket.
What roofing materials do you recommend for better storm resistance in the Tullahoma area?
For asphalt roofs, we suggest Class 4 impact-resistant shingles that can withstand hail up to 2 inches and resist 130 mph winds—ideal for Middle Tennessee’s spring and fall storm seasons. Metal standing-seam roofs (24-gauge) offer superior durability and lower lifetime cost. We also install synthetic underlayments, ice & water shield in valleys, and high-profile ridge caps to reduce wind uplift. All materials meet or exceed 2021 International Residential Code (IRC) requirements adopted by Tullahoma Building Codes.
How long does the inspection, claim approval, and roof replacement process usually take?
• Inspection & photo report: within 24 hours of your call. • Claim filing & adjuster meeting: typically 3–7 days, depending on carrier availability. • Claim decision & first payment: 1–2 weeks for most major insurers; we help expedite by supplying all documentation quickly. • Material ordering & scheduling: 3–5 business days once the initial check and signed contract are received. • Roof replacement: 1 day for an average 25-square roof, 2–3 days for larger or specialty systems. From first inspection to final cleanup, most Tullahoma projects are completed in 2–4 weeks, weather permitting. We stay in constant contact and coordinate city permitting, materials delivery, and final insurance invoicing so the process feels seamless.