Insurance-claim Assistance
Insurance-claim Assistance | Storm Damage Restoration | Roofing | Cosby
When fierce Appalachian weather pounds Cosby, you can count on HEP to turn chaos into calm. Our certified roofing team arrives fast, documents every shingle and soffit, and works directly with your insurance adjuster so you don’t have to wrestle with paperwork or fine print. From emergency tarping to full-roof replacements, we blend craftsmanship with compassion, restoring both your home and your sense of security.
Choose HEP for stress-free storm damage restoration and feel the difference local expertise makes. We keep you informed at every step, negotiate fair settlements, and back our repairs with robust warranties—leaving you with a roof that’s stronger than before the storm. Call today, and let the hometown pros handle the hard part while you focus on getting life back to normal.
FAQs
What should I do immediately after my roof is damaged by a storm in Cosby?
First, make sure everyone is safe and avoid any areas with exposed electrical wires or structural hazards. Then take clear photos and videos of the damage from the ground. Contact your insurance company to start the claim process and call our storm-damage response line so we can schedule an emergency inspection and temporary tarping to prevent further water intrusion.
How does your company assist with the insurance-claim process?
Our claim-specialist team meets your adjuster on-site, provides a detailed inspection report, and documents every shingle, flashing, and decking issue we find. We speak the same estimating language (Xactimate) your insurer uses, which helps speed approvals and ensures nothing critical is overlooked, so you receive the full payout needed for proper repairs or a complete roof replacement.
Will a roof inspection cost me anything if I file an insurance claim?
No. For Cosby homeowners dealing with storm damage, our initial inspection, documentation, and adjuster appointment coordination are provided at no charge. If the claim is denied and you choose not to move forward, you still owe us nothing.
How long do I have to file a storm-damage claim on my roof in Tennessee?
Most homeowner insurance policies require claims to be filed within 12 months of the event, but some carriers shorten that window to as little as 180 days. Because hail and wind damage can worsen over time, we recommend contacting us and your insurer within 72 hours of the storm to preserve evidence and avoid coverage disputes.
Can you upgrade my roof during the insurance restoration?
Yes. Your policy typically pays to restore your roof to its pre-loss condition, but you can pay the difference to upgrade to Class 4 impact-resistant shingles, metal panels, or improved ventilation. We’ll show you options, calculate any out-of-pocket cost beyond your deductible, and secure the necessary Cosby and Cocke County permits for code-compliant installation.
What happens if more hidden damage is discovered once repairs begin?
If we uncover additional issues—such as soaked decking, compromised underlayment, or gutter damage—we immediately document them with photos and a supplemental estimate. We then submit that supplemental to your insurance adjuster for approval before proceeding, so you’re not left with unexpected bills and the roof is fully restored to meet Tennessee building codes.