Insurance Claims
Insurance Claims | Storm Damage Restoration | Roofing | Farragut
When a Tennessee storm barrels through Farragut, HEP’s team arrives with the expertise and empathy homeowners crave. From the first inspection to the final shingle, we handle every step of storm damage restoration while guiding you through the insurance claims maze. Our licensed roofing specialists document damage, meet adjusters on-site, and negotiate on your behalf, making sure you receive the full coverage you deserve—no surprises, no shortcuts.
Whether high winds ripped away flashing or hail left punctures in your decking, we restore your roof to pre-storm condition using premium materials rated for our local climate. Farragut families trust HEP because we combine small-town courtesy with big-league craftsmanship, working quickly so you can get back to normal life under a roof that’s stronger than ever.
FAQs
What should I do immediately after a storm damages my roof in Farragut?
First, make sure everyone is safe and stay clear of downed power lines or unstable structures. If the roof is leaking, place buckets or tarps inside to protect belongings. Take clear photos and short videos of the damage from the ground—don’t climb on a wet or unstable roof. Next, call a reputable local roofing company that specializes in storm restoration; they can tarp exposed areas to prevent further water intrusion. Finally, contact your homeowners-insurance carrier to report the loss and start the claim. Prompt action and thorough documentation are critical to a smooth claim and a fully covered repair.
How does the insurance claim process work for storm-damaged roofs in Farragut?
1) Report the loss: Call your insurer’s claims hotline or file online—have your policy number, date of loss, and a brief description ready. 2) Inspection: The insurer assigns an adjuster who schedules a site visit. Many homeowners ask their roofing contractor to be present, ensuring all damage is noted. 3) Scope & estimate: The adjuster writes a scope of work and calculates the settlement based on Actual Cash Value (ACV) or Replacement Cost Value (RCV), minus your deductible. 4) Initial payment: You typically receive an ACV check so repairs can begin. 5) Repairs: Your roofer completes the work per code and insurer scope. 6) Supplemental review: If hidden damage or code upgrades are found, your contractor submits supplements to the insurer for additional funds. 7) Final payment: When work is complete, you receive the recoverable depreciation (if RCV) and pay your deductible to the contractor.
Will filing a storm-damage roof claim raise my insurance premiums?
Weather-related losses are generally categorized as “Act of God” events, and Tennessee insurers cannot surcharge an individual policy solely for a first weather claim. However, carriers periodically adjust base rates for entire regions after large catastrophes, so overall premiums may rise. Your personal claim history, credit tier, and other factors also play a role. In most cases, if your roof genuinely needs replacement due to hail or wind, filing a claim makes financial sense because the cost of a new roof far exceeds any potential incremental rate increase.
How do you tell whether my roof damage is from the recent storm or normal wear and tear?
Certified storm-damage inspectors look for specific indicators. Hail bruises show circular dark spots where granules are crushed, while wind damage causes uplifted or creased shingles, broken seals, and displaced ridge caps. These patterns are distinct from age-related granule loss, thermal cracking, or blistering. Inspectors also check collateral items—dented gutters, torn window screens, and pockmarked siding—to corroborate storm impact. Detailed photographs, test squares, and written findings help demonstrate to the insurer that the damage is sudden and accidental, not gradual deterioration excluded by the policy.
What if the insurance adjuster’s estimate is lower than my roofing contractor’s quote?
Discrepancies are common because adjusters may miss hidden decking rot, code-required ice-and-water shields, or local permit fees. Provide your contractor’s detailed line-item estimate to the adjuster and request a “re-inspection” or “supplemental review.” Most professional roofers will meet the adjuster on-site, show the overlooked items, and reference the International Residential Code as well as the insurer’s own guidelines. When adequately documented, insurers usually approve supplements and issue additional payments so you’re not out of pocket beyond your deductible.
How long do I have to file a storm-damage roof claim in Farragut, and how quickly can repairs be completed?
Most Tennessee homeowner policies require you to report a loss "promptly" and no later than 12 months from the date of the storm, but some carriers allow up to two years. Check your declarations page or call your agent to confirm. Once the claim is approved, an average-sized asphalt-shingle roof can be replaced in one to two days, weather permitting. During peak storm-recovery season, scheduling may take one to three weeks due to material demand and permitting. A reputable contractor will secure materials, pull Farragut building permits, and coordinate final inspections to ensure your roof meets local code and manufacturer specifications.