Insurance Claims
Insurance Claims | Roof Inspections | Roofing | Chattanooga
When a Chattanooga storm leaves shingles scattered and ceilings dripping, HEP makes the next steps simple. Our licensed specialists handle everything from meticulous roof inspections to the final shingle, documenting every photo and measurement your insurer needs. We speak the language of adjusters, file paperwork on your behalf, and negotiate to secure the payout your home truly deserves—so you can skip the stress and start focusing on normal life again.
Whether your roof is asphalt, metal, or specialty designer tile, our team brings decades of local experience and state-of-the-art drone technology to uncover hidden damage others miss. With transparent estimates, clear communication, and industry-leading warranties, HEP turns a frustrating insurance claim into a seamless repair journey, protecting both your family and your investment for years to come.
FAQs
How do I know if my roof has storm damage that qualifies for an insurance claim?
In the Chattanooga area, hail and high-wind events are the most common causes of claim-worthy roof damage. Signs you can spot from the ground include displaced shingles, granule loss collecting in gutters, dented metal flashing, and water stains on interior ceilings. Because some storm damage is subtle and may void your manufacturer’s warranty if left unaddressed, it’s wise to schedule a professional inspection after any severe weather. Our Haag-certified inspectors document damage with photos, videos, and written notes that meet insurance carrier requirements, so you’ll know with certainty whether a claim is justified.
What does a professional roof inspection for insurance purposes involve?
Our Chattanooga roof-inspection protocol has three parts: 1) Exterior evaluation—We walk the entire roof, mark hail impacts, measure shingle creases or tears from wind, and check flashing, vents, and gutters. 2) Attic assessment—We look for moisture, daylight penetration, and insulation damage that could indicate hidden leaks. 3) Documentation—We create a damage map, gather high-resolution photos, and generate a written report that matches ISO/insurance coding standards. The full inspection usually takes 60–90 minutes for an average-sized home and is provided at no cost if you’re filing an insurance claim through us.
How long do I have to file a roof-damage claim with my insurance company in Tennessee?
Most homeowner policies sold in Tennessee require that storm-damage claims be filed within 12 months of the event, but some carriers allow as little as 180 days. Because severe-weather dates can be verified through NOAA storm reports for Hamilton County, delaying can jeopardize your eligibility. We recommend scheduling an inspection within a week or two of any notable hail or wind event; if damage is confirmed, we’ll help you open the claim immediately so you remain well inside your policy’s deadline.
Will filing a roof-damage claim raise my homeowners-insurance premiums?
In Tennessee, storm damage is classified as an “act of God,” so a single weather-related claim typically does not cause a rate hike or policy cancellation. Premium adjustments are more likely when a homeowner has multiple claims for preventable losses (e.g., plumbing leaks or fire) within a short time span. If your roof is genuinely storm-damaged, filing a claim is usually the most cost-effective route, because the insurer is contractually obligated to restore your roof to pre-loss condition minus your deductible.
How does your Chattanooga roofing company assist during the insurance-claim process?
We provide end-to-end claim support: 1) Free inspection and damage documentation; 2) Assistance with the initial claim call to your carrier; 3) On-site representation when the adjuster arrives, ensuring all damage is noted; 4) Supplement preparation if the adjuster’s estimate omits code-required items, such as ice-and-water shield or drip edge mandated by the 2018 International Residential Code adopted by Chattanooga; 5) Direct coordination with your insurer’s claims department and electronic submission of invoices so your only out-of-pocket cost is the deductible.
Do I need to be present when the insurance adjuster inspects my roof?
Your presence is not mandatory, but it is beneficial to have a qualified roofing professional on site. We meet the adjuster on your behalf, walk the roof together, and make sure any hail hits, lifted shingles, or gutter damage are accurately recorded. This collaborative approach often speeds up claim approval and reduces the risk of items being overlooked. If you can’t be home, we will send you a summary and photos the same day so you stay fully informed.