Storm-damage Insurance
Your trusted partner for professional home services. Quality workmanship, guaranteed satisfaction.
Storm-damage Insurance | Siding Solutions | Roofing | Elizabethton
When Appalachian storms roar through Elizabethton, HEP is the local team that turns chaos into comfort. Our licensed experts work directly with your insurance company, documenting every shingle lift and gutter dent so you don’t have to. Whether hail has bruised your roof or wind has peeled paint from your exterior, we restore curb appeal with precision craftsmanship, premium materials, and a quick, transparent process that keeps you in control at every step.
Beyond roofs, our siding solutions seal and beautify your home against future weather events, boosting energy efficiency while matching your preferred style and budget. Schedule a free storm-damage inspection today, and discover why Elizabethton homeowners trust HEP to protect what matters most—long after the clouds have cleared.
FAQs
How do I know if my Elizabethton home has storm damage that requires roof or siding repairs?
After hail, high winds, or heavy rain, look for missing or lifted shingles, dented metal components, granule loss in gutters, cracked siding panels, or water stains on interior ceilings and walls. Because much of the damage is often subtle and located on steep or high sections of the roof, we recommend booking a free, no-obligation inspection. Our Haag-certified inspectors document every impact with photos and a written report you can share with your insurer.
What is the typical insurance claim process for storm-damaged roofing and siding?
1. Inspection: We perform a detailed inspection and give you a damage report. 2. Claim Filing: You contact your insurance carrier and open a claim using our documentation. 3. Adjuster Meeting: We meet the adjuster on site to point out damage and ensure nothing is missed. 4. Approval & Scope: Once the claim is approved, the carrier issues a scope of work and initial payment (ACV). 5. Production: We schedule materials, pull Elizabethton permits, and complete the repairs. 6. Completion & Final Payment: We submit a completion packet to the carrier for the recoverable depreciation (RCV) and any supplemental items, then you pay only your deductible.
Will my homeowner’s insurance cover the full cost of roof or siding replacement?
Most standard policies in Tennessee cover sudden, accidental storm damage under Replacement Cost Value (RCV) terms, meaning the insurer pays to restore your home to pre-loss condition, less your deductible. Coverage depends on the age of the roof, the specific peril (wind, hail, fallen tree, etc.), and any exclusions such as cosmetic-only hail clauses. We review your policy with you, explain depreciation and deductible obligations, and make sure all code-required upgrades mandated by Elizabethton or Carter County are included in the claim.
How quickly should I schedule an inspection after a storm?
You should arrange an inspection within 24–72 hours if possible. Quick action prevents leaks from worsening, preserves evidence before it weathers away, and meets most carriers’ prompt-notice requirements. We offer same-day emergency tarping and can document damage even when adjusters are backlogged after a major weather event.
What roofing and siding materials do you offer that are more storm-resistant?
We install impact-rated architectural shingles, Class 4 hail-resistant shingles, standing seam metal, and SBS-modified asphalt systems for roofs. For siding we carry insulated vinyl, fiber-cement, and engineered wood products rated up to 200 mph wind gusts. All materials meet or exceed the 2024 International Residential Code adopted by the City of Elizabethton.
How long will the repair or replacement take, and do you handle coordination with my insurance adjuster?
Most single-family roof replacements in Elizabethton are completed in one day; complex roofs or full siding jobs may take 2–5 days. We handle all scheduling, permitting, and final inspections. Our in-house claims specialist keeps your adjuster updated, submits supplements for hidden damage, and ensures you receive all recoverable depreciation. This turnkey approach minimizes your workload and speeds up final payment.