Insurance Adjusters
Insurance Adjusters | Storm Damage Restoration | Roofing | Flintville
When a Tennessee storm blows through Flintville, HEP’s licensed insurance adjusters arrive with an eye for every lifted shingle, dented flashing, and hidden leak. We translate the chaos on your roof into clear, photo-documented reports that meet insurer requirements, then guide you step-by-step through filing the claim. From emergency tarping and debris removal to skillful shingle matching, our team handles the entire storm damage restoration process so you can focus on getting life back to normal.
Because we’re both adjusters and roofers, you get one seamless point of contact—no bounced calls between contractors and insurance reps. We negotiate for full, code-compliant repairs, schedule work around your calendar, and leave your yard cleaner than we found it. Call HEP today and feel the relief of having Flintville’s most trusted storm recovery experts on your side.
FAQs
How can I tell if my roof has storm damage after severe weather in Flintville?
Common indicators include missing or lifted shingles, dented metal flashings, granule loss in gutters or downspouts, interior ceiling stains, and leaks around light fixtures or attic vents. Because some damage is difficult to spot from the ground, we recommend scheduling a professional inspection within 24–48 hours of the event. Our adjusters use drones, moisture meters, and hail-impact testing to document even subtle damage that may qualify for an insurance claim.
What should I do immediately after noticing storm damage to my roof?
1) Protect people and property first—cover exposed areas with a tarp if it is safe to do so. 2) Take clear photos and short videos of all visible damage before any temporary repairs are made. 3) Locate your insurance policy and note your deductible. 4) Call our Flintville-based storm response line; we can dispatch an emergency crew to mitigate further damage and a licensed adjuster to begin documentation. Acting quickly preserves evidence, keeps your claim within policy guidelines, and minimizes the risk of secondary issues such as mold.
How does the insurance claim process work for roof storm damage in Flintville?
After you contact us, we perform a no-cost inspection and provide a detailed damage report that meets carrier formatting standards. With your approval, we open the claim through your insurer’s online portal and submit the report, photos, and an Xactimate estimate that reflects current Flintville material and labor pricing. We then meet the insurer’s field adjuster on-site to review the damage, negotiate scope and pricing, and address code-upgrade requirements under Tennessee law. Once the claim is approved, we schedule restoration, bill the insurer directly for covered items, and keep you informed until final inspection and warranty handoff.
Will my homeowner’s insurance cover the full cost of roof repair or replacement?
Most standard HO-3 policies cover sudden and accidental storm damage, including wind, hail, and fallen trees, minus your deductible. Coverage depends on roof age, policy endorsements (actual cash value vs. replacement cost), and exclusions such as wear and tear. Our adjusters review your declarations page, explain out-of-pocket costs, and identify code upgrades (ice-water shield, drip edge, ventilation) that your policy or Tennessee’s Amendatory Code might require the insurer to pay. We advocate for full replacement when damage exceeds 25–30% of the roof plane, which is often more cost-effective than partial repairs.
How long do I have to file a storm damage claim in Tennessee?
Most insurers allow 1 year from the date of loss to file, but some policies shorten that window to 180 days. Waiting can jeopardize coverage because carriers may argue that damage worsened due to lack of mitigation. Additionally, Flintville’s humid climate accelerates shingle deterioration and interior moisture issues. We advise reporting potential claims within 14 days of the storm. If you’re unsure of the exact date, our team can pull NOAA storm data and local hail maps to establish the loss date for your carrier.
Why should I hire an insurance adjuster who specializes in roofing and storm damage restoration?
Roof claims are technical; they involve building codes, manufacturer specs, and complex estimating software. Our licensed public adjusters and HAAG-certified roof inspectors focus exclusively on storm restoration, giving you: • Accurate damage assessments that stand up to carrier scrutiny • Strong negotiation skills grounded in Xactimate pricing and Tennessee code requirements • Coordinated project management from emergency tarping through final shingle installation • Warranties and workmanship guarantees from local, vetted crews • Peace of mind knowing an expert, not the insurer, is advocating for your best financial outcome.