Insurance Paperwork
Insurance Paperwork | Roof Replacement | Roofing | Chattanooga
When a storm sweeps through Chattanooga and leaves shingles scattered across your yard, the last thing you want is a maze of insurance forms standing between you and a dry, secure home. HEP turns that paperwork mountain into a smooth, guided walk: we photograph the damage, document every detail in the format carriers prefer, and meet the adjuster onsite so you don’t have to stress over technical jargon or missed line items. Our experts know local codes as well as they know the neighborhood streets, so your claim is filed accurately and paid promptly—putting your focus back on family, not forms.
Once the claim is approved, our licensed crews move straight into roof replacement, often completing most homes in just a day. We protect landscaping, magnet-sweep for nails, and finish with a meticulous quality check, leaving nothing behind but a beautiful new roof and the confidence that it’s covered. From first call to final inspection, HEP makes restoring your roof—and your peace of mind—as easy as calling your neighbor for a cup of sugar.
FAQs
How do I know if my roof damage is covered by insurance in Chattanooga?
Most homeowners’ policies in Tennessee cover sudden and accidental damage caused by wind, hail, falling trees, or fire. Wear-and-tear, age-related deterioration, and lack of maintenance are generally excluded. The first step is to review the “Dwelling” or “Perils Insured Against” section of your policy. If you’re unsure, schedule a free inspection with our certified roof specialist; we document the damage with photos and a written report so you can decide whether to open a claim.
What documentation will I need to file an insurance claim for roof replacement?
You’ll need: (1) your policy number and a copy of the declarations page, (2) the date and cause of loss (storm date), (3) photographs of exterior and interior damage, (4) an inspection report or estimate from a licensed Chattanooga roofing contractor, and (5) any emergency repair invoices you’ve already paid. We prepare a complete photo packet and an Xactimate estimate formatted the same way carriers do, which speeds up claim approval.
How does the insurance claim process work for a roof replacement, and how long does it take?
1. Inspection & claim filing: After we inspect your roof, you call your carrier’s claims line (about 10–15 minutes). 2. Adjuster meeting: Within 3–10 days an adjuster visits your home; we attend to ensure all damage is noted. 3. Carrier review: The adjuster’s report goes to an inside desk examiner. Initial approval or denial typically arrives in 7–14 days. 4. First check (ACV): If approved, the insurer issues an Actual Cash Value check you can use as the down payment for your new roof. 5. Roof replacement: We schedule your build, pull permits, and complete most roofs in 1–2 days. 6. Final invoice & RCV payment: We send completion photos and an invoice to the carrier. The Remaining Claim Value (depreciation) and any supplements are released within roughly 7–10 days. Overall, most Chattanooga claims close in 4–6 weeks, but complex supplements can add time.
Will my insurance company pay for a full roof replacement or just repairs?
It depends on the extent and location of the damage. If wind or hail has compromised more than 25–30% of the shingles or if repairs would create a mismatch due to discontinued materials, Tennessee insurance carriers usually approve a full replacement to restore the roof to “pre-loss condition.” During the adjuster meeting we provide shingle samples and a repairability test to demonstrate when spot repairs are not feasible.
Do I need to get multiple estimates for my insurance claim in Tennessee?
No. Most carriers use industry-standard Xactimate pricing, so the scope—what gets replaced—matters more than the bid amount. In fact, providing drastically lower estimates can hurt you because the insurer may try to settle for less scope. Choose one reputable, licensed, and insured Chattanooga roofer who will advocate for you and agree to complete the roof for the insurer-approved amount (plus your deductible).
What role does your roofing company play in assisting with insurance paperwork and adjuster meetings?
We act as your advocate throughout the claim. Our services include: • Free storm damage inspection and photo documentation. • Help with filing the claim and providing the loss date. • Meeting the adjuster onsite to point out all wind, hail, and collateral damage. • Preparing a detailed Xactimate estimate and any supplement requests (code upgrades, flashing, ventilation, decking). • Handling all paperwork, including the signed contract, W-9, final invoice, and certificate of completion. • Communicating directly with the desk examiner to expedite depreciation and supplement releases. This full-service approach relieves you of the administrative burden and ensures your roof is replaced to building-code standards with minimal out-of-pocket cost beyond your deductible.