Insurance Adjuster
Insurance Adjuster | Storm Damage Restoration | Roofing | Fountain City
When a Fountain City storm turns your roof into a patchwork of missing shingles and hidden leaks, HEP steps in with a seamless blend of insurance know-how and masterful craftsmanship. Our dedicated roofing team works hand-in-hand with certified adjusters to document every scrape, dent, and water stain, making sure your claim is airtight before a single nail is driven. From the first free inspection to the final shingle, we shoulder the paperwork, meet with the carrier, and restore your home with premium materials that stand up to the next Tennessee downpour.
Homeowners choose HEP for storm damage restoration because we treat every project like it’s our own roof overhead. You’ll get transparent timelines, honest communication, and a crew that cleans up so thoroughly the only sign we were there is a rock-solid roof. Let us turn today’s storm stress into tomorrow’s peace of mind—quickly, locally, and with service that’s just a call away.
FAQs
What should I do immediately after a storm damages my roof in Fountain City?
First, make sure everyone is safe and stay clear of downed power lines or unstable structures. If you can do so safely, take clear photos or video of the damage from the ground for documentation. Next, contact a local, licensed roofing contractor that specializes in storm-damage claims; they can provide emergency tarping to prevent further water intrusion. Notify your insurance carrier as soon as possible to open a claim and give them your contractor’s contact information so all parties can coordinate inspections and repairs.
How does the insurance claim process work for storm-damaged roofs?
1) Claim Filing – You report the loss to your insurer and receive a claim number. 2) Inspection – The insurer sends an adjuster to inspect the roof. Having your own roofing specialist present ensures nothing is missed. 3) Estimate & Scope – The adjuster writes an estimate based on local Fountain City pricing guidelines (generally Xactimate). Your contractor reviews it and requests supplements for missed items or code upgrades. 4) Approval – When the scope and price are agreed upon, the insurer issues the first check (ACV or “actual cash value”). 5) Repairs – Your roofer completes the work to Fountain City and Knox County building-code standards. 6) Final Payment – After the work is complete, the roofer submits a completion package and the insurer releases any recoverable depreciation owed.
Why should I involve a roofing contractor experienced in insurance adjusting?
An insurance-savvy roofer knows the claim process, the estimating software insurers use, and local code requirements. They can spot hidden damage, negotiate necessary supplements, and ensure the insurance company pays for a full, code-compliant roof replacement—not just a patch. This minimizes out-of-pocket surprises and speeds up approvals, while you benefit from one point of contact who can answer both construction and insurance questions.
How long do I have to file a storm-damage claim in Tennessee?
Most homeowner policies sold in Tennessee require that you file the claim "promptly," and many carriers set an internal deadline of 180 days from the date of loss. The state’s statute of limitations for contract disputes is typically one year, but waiting that long may risk denial. For best results, open the claim within a few days of the storm, schedule the inspection within 1–2 weeks, and complete repairs within the timeline your policy specifies.
Will filing a roof damage claim raise my insurance premiums?
For wind or hail events—considered “Acts of God”—insurers generally cannot surcharge you individually. They may, however, raise rates for the entire zip code if the storm caused widespread losses. Your personal claim history matters more for preventable losses like water leaks or liability events. Always weigh your deductible against the estimated repair cost, but know that a legitimate storm-damage claim typically won’t single you out for a premium increase.
What kinds of storm damage to my roof are usually covered?
Standard HO-3 and HO-5 homeowner policies cover sudden, accidental damage caused by: • High winds that lift or crease shingles • Hail impacts that bruise or puncture shingles, metal, or skylights • Falling tree limbs or debris that puncture the roof • Lightning strikes that burn or shatter roofing materials • Wind-driven rain that enters after the roof is compromised. Wear-and-tear, manufacturer defects, and maintenance issues are excluded, so it pays to have a professional document that the loss was directly storm-related.