Insurance Claim
Insurance Claim | Storm Damage Restoration | Roofing | Cookeville
When Cookeville weather turns turbulent, HEP’s dedicated insurance claim roofing team is ready to step in with fast, transparent support. Our local experts document every shingle, gutter, and flashing issue caused by hail or high winds, then guide you through the paperwork maze so you can file with confidence and maximize your settlement. From the first emergency tarp to the final nail, we keep you in the loop, treat your home like our own, and coordinate seamlessly with your adjuster to shorten wait times and eliminate surprises.
Once the claim is approved, our skilled roofers move quickly into storm damage restoration, using premium materials that stand up to Tennessee’s toughest seasons. You’ll enjoy clear timelines, tidy job sites, and the peace of mind that comes from a warranty backed by a crew that lives and works right here in Putnam County. Need help now? One call and HEP is on the way.
FAQs
How can I tell if my roof has storm damage after severe weather in Cookeville?
Signs include missing or lifted shingles, dented metal flashing, granule loss that shows up as bald spots or granules in gutters, water spots on interior ceilings, and pieces of shingles found in the yard. Because some damage is hard to see from the ground, we offer free, no-obligation inspections. Our technician safely climbs the roof, documents all damage with photos, and provides a written report you can share with your insurance adjuster.
Will my homeowner’s insurance pay for a full roof replacement or only repairs?
Most policies written in Tennessee cover “sudden and accidental” storm events such as hail, high winds, and falling debris. Whether you receive a repair or a full replacement depends on the extent of the damage and the age of the roof. If 25–30 percent or more of the roof plane is affected, insurers typically authorize a full replacement to restore the roof to pre-loss condition and comply with Cookeville’s current building codes. You are responsible only for your policy deductible.
What steps are involved in filing an insurance claim for storm damage to my roof?
1) Call us for an inspection to confirm storm damage and document it. 2) Contact your insurance carrier’s claims department and open a claim; we can be on the call with you if you’d like. 3) Your insurer assigns an adjuster and schedules a site visit—our project manager meets the adjuster on-site to point out all damage. 4) The adjuster issues a loss summary; we review it line-by-line to ensure all code-required items and materials are included. 5) You sign our work authorization, we schedule materials, and pull any required Cookeville building permits. 6) After work is complete, we submit final invoices to the carrier so you receive any recoverable depreciation owed.
How long do I have to file a storm-related roof claim in Tennessee?
Most insurance policies give you one year from the date of loss to file, but some carriers allow as little as 180 days. Because wind and hail losses can worsen over time and hidden leaks may void coverage later, we recommend scheduling an inspection within 72 hours of any major storm in Putnam County. Acting quickly also helps us preserve evidence, such as fresh hail impacts, that adjusters need to see.
Do I need to get multiple estimates before my insurance company will approve the work?
No. Insurance claims are settled based on the carrier’s pricing software (Xactimate or Symbility) rather than the lowest bid. Providing several estimates can actually slow the process. What you need is a licensed, reputable contractor who understands insurance paperwork and Cookeville code requirements. We work directly off the adjuster’s approved scope and supplement only if items were missed, ensuring you receive everything needed to restore the roof without cutting corners.
Once my claim is approved, how fast can you replace or repair my roof?
We can usually schedule most asphalt shingle roof replacements within 7–10 business days of claim approval, weather permitting. Emergency tarping or temporary repairs can be done the same day to stop active leaking. The full replacement typically takes 1–2 days for an average 2,000-square-foot home. All work is performed by our in-house crews, supervised by a project manager who conducts a final walkthrough with you and ensures the jobsite is clean before we leave.