Insurance Claim
Insurance Claim | Roofing Done Right | Roofing | Bean Station
Storms can roll across Bean Station without warning, leaving shingles scattered and homeowners staring at a maze of insurance paperwork. HEP’s insurance claim roofing team turns that chaos into clarity, guiding you through every step—from the free damage inspection and photo documentation to direct communication with your adjuster. We translate policy language into plain English, fight for the coverage you deserve, and schedule repairs around your life, not the other way around.
When the claim is settled, our certified crews arrive with premium materials, tidy job sites, and a promise to treat your home like their own. We blend small-town courtesy with industry-leading craftsmanship, delivering roofs that stand up to Tennessee weather and add long-term value to your property. That’s roofing done right in Bean Station—handled once, handled well, and backed by the local experts who are always just a phone call away.
FAQs
What steps are involved in filing an insurance claim for roof damage in Bean Station?
1. Contact Roofing Done Right to schedule a free storm-damage inspection. 2. If damage is confirmed, call your insurance carrier to start the claim and receive a claim number. 3. We document all damage with photos, measurements, and a written report to share with your adjuster. 4. An insurance adjuster meets us on-site; we walk the roof together to ensure every issue is noted in the adjuster’s summary. 5. Once the claim is approved, your carrier issues the first payment (ACV) and the scope of work. 6. You select shingle color and sign the work authorization; we pull any required Bean Station permits. 7. Our certified crew completes the roof replacement, usually in one day. 8. We send final invoices and completion photos to the insurer so they can release the depreciation payment (RCV). 9. You pay only your deductible and any elected upgrades—no hidden fees.
How do I know if my roof damage is covered by insurance?
Homeowner policies in Tennessee typically cover sudden, accidental events such as hail, wind, or falling debris. Age-related wear or lack of maintenance is not covered. Our Haag-certified inspectors will determine whether the damage is storm-related and provide the documentation your insurer needs. If the adjuster agrees the damage is from a covered peril, the repair or replacement is usually approved—minus your deductible.
Can Roofing Done Right work directly with my insurance adjuster?
Yes. With your permission, we handle all adjuster communication, from the initial inspection to final invoicing. Our staff understands Xactimate pricing, local code requirements, and manufacturer specifications, so we can reconcile the claim quickly and ensure you receive the full, fair settlement allowed by your policy. This minimizes stress and prevents costly omissions like code-required ice & water shield or drip edge.
What out-of-pocket costs should I expect on an insurance claim roof?
In most cases, your only required expense is your policy’s deductible. Optional upgrades—such as designer shingles, metal accents, or ridge ventilation—are additional, but we provide written quotes before work begins. We never surprise customers with up-charges. If your insurer applies depreciation, that amount is released after we submit proof of completion, so you’re not stuck paying it yourself.
How long does the insurance claim roofing process take from inspection to completed replacement?
Typical timeline in Bean Station: • Inspection & claim filing: 1–2 days • Adjuster meeting: 3–7 days after filing (dependent on insurer) • Claim approval & first check: 5–10 days • Scheduling & material delivery: 2–5 days • Roof build: 1–2 days for most homes • Final paperwork & depreciation release: 7–14 days Overall, most customers have a new roof within 3–4 weeks of the initial inspection. Emergency tarping is available the same day to prevent further damage.
Why choose Roofing Done Right for my insurance claim roof repair in Bean Station?
• Local expertise: Family-owned, living and working in Grainger County—no storm chasers. • Insurance specialists: Over 1,200 successful claims handled; we know each carrier’s process. • Quality materials: Owens Corning, CertainTeed, and GAF shingles installed to manufacturer specs, backed by 50-year non-prorated warranties. • Code compliance: We follow 2021 IRC and Bean Station building ordinances, obtaining all permits and scheduling inspections. • Clean job sites: Magnetic nail sweep, landscape protection, and thorough debris removal. • Transparent communication: You receive daily updates and a dedicated project manager from start to finish.