Insurance Claim
Insurance Claim | Storm Damage Restoration | Roofing | Decherd
When thunderstorms roll across Decherd, torn shingles, leaks, and battered gutters can happen in minutes. HEP’s licensed roofers respond just as quickly, bringing decades of experience and the latest equipment to every storm damage restoration project. From emergency tarping to meticulous repairs, we secure your home and prevent further loss while keeping you informed at every step.
Navigating an insurance claim can feel overwhelming, so we pair top-tier craftsmanship with compassionate guidance. Our specialists document the damage, meet with adjusters, and advocate for the full coverage you deserve, turning a stressful process into a streamlined solution. One call to HEP is all it takes to schedule a free inspection and put your roof—and your peace of mind—back where it belongs.
FAQs
What types of storm damage to a roof are typically covered by homeowners’ insurance in Decherd?
Most standard homeowners’ policies in Tennessee cover sudden, accidental damage caused by wind, hail, lightning strikes, and falling debris. In Decherd that generally includes lifted or missing shingles from high winds, impact bruising or punctures from hail, broken roof vents, damaged flashing, and structural harm from fallen limbs. Normal wear-and-tear, age-related deterioration, or pre-existing leaks are not covered, so it is important to document that the damage was a direct result of a recent storm event.
How soon after a storm should I file an insurance claim for roof damage?
File as quickly as possible—ideally within 24–72 hours of the storm. Acting promptly protects you against secondary water intrusion, preserves fresh evidence, and keeps you inside most carriers’ reporting windows (often 30–60 days, though some allow up to one year). Start by scheduling a no-obligation inspection so you have professional documentation to submit with the claim rather than relying on the adjuster’s first glance alone.
What does your free storm-damage roof inspection include?
Our Decherd inspection covers the full roof system—shingles, decking, flashing, vents, chimney caps, gutters, and attic interior. We use chalk, moisture meters, and high-resolution photos to mark and record hail impacts, wind creases, and hidden moisture. You receive a written digital report with date-stamped photos plus a recommended scope of repairs or replacement that aligns with insurance carrier guidelines. If damage is not found, you gain peace of mind at no cost.
Will filing a storm-damage claim raise my homeowners’ insurance premium?
In Tennessee, claims labeled as "acts of God"—hail, wind, or lightning—generally do not raise individual premiums, though multiple claims in a short window can affect eligibility or deductibles. Carriers may adjust regional rates after a widespread event, which impacts everyone in Decherd whether they file or not. The most expensive scenario is paying out-of-pocket for a roof that could have been covered, so it usually makes financial sense to claim legitimate storm damage.
How do you help homeowners navigate the insurance claim process?
We act as your roofing advocate from start to finish: 1) document damage thoroughly; 2) assist with online or phone claim submission; 3) meet the adjuster on-site to ensure nothing is overlooked; 4) compare the adjuster’s estimate to current market pricing and code requirements in Franklin County; 5) handle supplement requests if items were missed; and 6) complete all repairs or full replacement according to manufacturer and local building standards. We do not charge upfront—our compensation comes from insurance proceeds once the work is approved and completed.
Can you work within my insurance carrier’s timelines and Decherd building codes?
Yes. We are familiar with the typical 365-day completion requirement most insurers impose and coordinate material ordering, permitting, and installation to fit that window. Our crews follow 2018 International Residential Code standards adopted by Decherd and Franklin County, including ice-and-water shield in valleys, proper ventilation ratios, and wind-rated shingle fastening patterns. Once finished, we provide completion photos, a signed manufacturer warranty, and any code-upgrade documentation your adjuster needs to release final depreciation funds.