Insurance Claims

Insurance Claims | Roofing Done Right | Roofing | Corryton

When a Tennessee storm batters your home, navigating the insurance maze can feel tougher than the weather itself. That’s why homeowners in Corryton turn to HEP for confidence and clarity. Our specialists meet adjusters on-site, document every shingle, and translate policy jargon into plain English—so you collect every dollar you’re owed and never pay for damage your policy should cover.

From the first tarp to the final nail, we believe in roofing done right. Certified crews install premium materials to exact manufacturer specs, protect your landscaping, and sweep every stray nail before they leave. Results are backed by industry-leading warranties and the hometown reputation we’ve built one satisfied neighbor at a time.

Ready to restore your roof and your peace of mind? Call, click, or swing by our Corryton office today—HEP makes the claim simple, the craftsmanship exceptional, and the entire process refreshingly stress-free.

FAQs

How do I know if my storm-damaged roof in Corryton qualifies for an insurance claim?

Start by scheduling a free inspection with our Haag-certified roof inspectors. We document wind, hail, or falling-debris damage with photos, written notes, and drone imagery that match the carrier’s inspection criteria. If the damage is sudden, unpreventable, and exceeds your policy’s deductible, it usually qualifies. We review your policy with you so you understand exclusions and coverage limits before you file.

What is the step-by-step process for filing a roofing insurance claim with your company?

1) Inspection & Documentation – We perform an on-site assessment within 24-48 hours. 2) Claim Filing – You call your insurer; we can be present or on a 3-way call to ensure accurate loss descriptions. 3) Adjuster Meeting – We meet the adjuster on your roof to advocate for all code-required repairs. 4) Scope Review – When the carrier’s estimate arrives, we compare it to ours and request supplements if items are missing. 5) Roof Replacement – Once coverage is approved, we schedule materials and crew, usually within two weeks. 6) Completion Packet – After installation, we submit photos, invoices, and warranties to the insurer so your final payment (depreciation) is released.

Will filing a roof claim raise my homeowner’s insurance premiums?

In Tennessee, claims caused by ‘Acts of God’—such as hail or straight-line winds—typically do not trigger an individual surcharge. However, carriers can raise premiums across an entire ZIP code after a catastrophic event. That increase applies whether or not you file. We advise homeowners to claim legitimate damage to avoid paying out of pocket later for issues your policy already covers.

How do you make sure my new roof meets Corryton’s building codes and manufacturer specs?

We pull all required Knox County permits, follow 2018 IRC guidelines, and install ice-and-water shield in valleys and around penetrations per local amendments. Our crews are certified by GAF and CertainTeed, so we use factory-approved starter strips, ridge caps, and proper nail patterns. After completion, the county inspector signs off, and we provide a 10-year workmanship warranty plus the manufacturer’s registered system warranty.

What out-of-pocket costs should I expect during an insurance-paid roof replacement?

Normally, your only direct cost is your policy deductible. We do not ‘cover’ deductibles, as that violates Tennessee insurance-fraud statutes, but we can offer financing so you can split the deductible into affordable payments. Upgrades you request—like metal valleys or higher-end shingles—are optional expenses not covered by standard policies.

How long will the entire insurance claim and roof replacement take in Corryton?

Claim approval times vary by carrier, but most local homeowners see the adjuster within 7–10 days of filing. We can often start work within one week of approval. A typical asphalt shingle roof (up to 40 squares) is finished in one day, weather permitting. From first inspection to final insurance payment, the average timeline is 3–5 weeks, though large storms may extend carrier response times.