Insurance Claim
Insurance Claim | Siding Solutions | Roofing | Halls
When hail, high winds, or surprise spring storms sweep through Halls, HEP makes recovering from roof and exterior damage refreshingly simple. Our specialists meet your adjuster on-site, document every shingle and panel, and negotiate on your behalf, so the only paperwork you have to sign is the approval. From emergency tarping to full roof replacement and precision color-matched siding solutions, we restore your home faster—and better—than it was before disaster struck.
Licensed, insured, and backed by decades of East Tennessee craftsmanship, we use impact-rated materials, drone inspections, and photo updates to keep you informed at every step. You’ll enjoy transparent estimates, industry-leading warranties, and the friendly “Happy Everything’s Perfect” service HEP is known for. Let us take the stress out of insurance claims and put the pride back into your curb appeal—schedule your free damage assessment today.
FAQs
What is the first step to start an insurance roofing or siding claim in Halls?
Contact your insurance company’s claims department as soon as you notice storm, hail, or wind damage. Request a claim number and the adjuster’s contact information, then call our Halls office so we can schedule a free, no-obligation inspection. Our certified inspectors document the damage with photos, measurements, and a written report that you can forward to the adjuster. This documentation helps establish that the damage was caused by a covered peril and determines the scope of work needed for your roof or siding.
How long does the roof or siding insurance claim process typically take?
Most residential claims in Halls are settled within 2–4 weeks of the initial inspection, but the timeline can vary. It generally breaks down into three phases: (1) Inspection and claim filing (1–3 days); (2) Adjuster meeting and estimate approval (7–14 days); and (3) Material delivery and construction (2–5 days for average homes). Delays can occur if the adjuster needs more documentation, if severe weather backlogs the insurer, or if specialty materials are on back-order. We stay in contact with both you and the insurance carrier to keep the process moving and provide status updates.
Will my insurance premium go up if I file a claim for storm damage in Halls?
In Tennessee, insurers typically treat wind and hail events as “catastrophic” or “Act of God” losses, meaning they are generally not charged against your individual risk profile. While rate increases can occur at the neighborhood or ZIP-code level after widespread storms, a single claim for legitimate storm damage rarely causes your personal premium to rise. However, each insurance company has its own underwriting rules, so we recommend confirming with your agent before filing.
Do I need to be present when the insurance adjuster inspects my property?
It’s not mandatory, but we strongly advise homeowners to be on-site—or to have one of our project managers there on your behalf—during the adjuster’s inspection. Being present ensures that all damage we documented is pointed out, that the adjuster’s measurements match ours, and that hidden issues (such as deck rot or siding underlayment damage) are noted. This collaborative approach greatly reduces the chance of overlooked items and supplemental claims later on.
What out-of-pocket costs should I expect, including my deductible?
Your main out-of-pocket expense is the deductible specified in your homeowners policy, which in Halls usually ranges from $500 to 2% of the dwelling coverage. Insurance pays the Actual Cash Value (ACV) up front and releases the Recoverable Depreciation once the work is completed and invoiced. We apply the depreciation toward your final invoice, so your total payment is generally limited to the deductible and any elective upgrades you choose beyond what the policy covers.
Can I upgrade my roofing or siding materials during the claim, and how does that affect costs?
Yes. Insurance will pay to restore your home with “like-kind and quality” materials. If you want premium shingles, impact-resistant metal roofing, or insulated vinyl siding, we can quote the price difference—often called an “overage” or “supplement.” You pay only the upgrade cost above the insurer’s allowance, and we handle the documentation so the carrier covers everything else. Upgrading can lower future energy bills and may qualify you for insurance discounts on impact-resistant products.