Insurance Claims
Insurance Claims | Storm Damage Restoration | Roofing | Halls
When fierce Tennessee squalls scatter shingles and soak insulation, you shouldn’t have to fight the insurance company alone. HEP’s insurance-claims roofing specialists arrive the moment the skies clear, delivering meticulous inspections, photo-rich documentation, and on-your-behalf negotiations that secure every dollar your policy promises. From emergency tarping to the final shingle, our local crews turn chaos into confidence—restoring homes across Halls with speed, transparency, and Southern courtesy.
Because we handle both claims and craftsmanship under one roof, you’ll never juggle multiple contractors or wonder who’s accountable. We use impact-rated materials, keep you updated through every stage of storm damage restoration, and back our work with industry-leading warranties. Schedule a free roof assessment today, and discover why neighbors from Emory Road to Dry Gap trust HEP to rebuild stronger than the storm.
FAQs
How do I start an insurance claim for storm-related roof damage in Halls?
Begin by contacting us for a free, no-obligation roof inspection. We document every sign of wind, hail, or debris impact with photos and written notes you can forward to your insurance carrier. Next, call your insurer’s claims hotline and provide the policy number, date of the storm, and a brief description of the damage. An adjuster will be assigned, and we will meet the adjuster on-site to make sure all damage is identified and properly measured. Once the adjuster’s report is complete, you will receive a claim summary that shows what the carrier has approved for replacement or repair.
What kinds of storm damage are usually covered by homeowners insurance?
Most standard policies in Tennessee cover sudden and accidental damage caused by wind, hail, lightning strikes, falling tree limbs, and heavy rain that penetrates the roof after shingles have been lifted or punctured. Cosmetic issues alone are rarely covered, but functional damage—such as torn shingles, broken seals, damaged flashing, or punctures—typically is. We review your policy with you, point out any exclusions, and make sure the adjuster applies local building-code requirements in Halls to the estimate.
Can your company work directly with my insurance adjuster?
Yes. Our project managers are trained in Xactimate (the estimating software most insurers use) and routinely meet adjusters on the roof to compare findings. We provide a detailed scope of work, code-upgrade documentation for Lauderdale County, and supplemental estimates if something was missed. Direct communication shortens the approval process and ensures the settlement is large enough to restore the roof to pre-storm condition—or better—without cutting corners.
How long does the inspection, claim, and roof replacement process take?
A typical timeline is: (1) Inspection within 24–48 hours of your call; (2) Claim filed the same day you decide to proceed; (3) Adjuster appointment 3–7 business days later, depending on workload after a storm; (4) Carrier approval and first check issued within about 7–14 days after the adjuster visit; (5) Materials ordered immediately after approval; (6) Roof replacement completed in 1–2 days for most single-family homes in Halls. Weather, material availability, and the complexity of the roof can change these targets, but we keep you informed at every step.
What options do I have if my storm damage claim is partially or fully denied?
Denials happen, often because damage was overlooked or classified as maintenance-related. You can request a re-inspection, provide additional photos, or invoke your policy’s appraisal clause for a third-party review. We supply a supplemental report highlighting code items and hidden damages the insurer may have missed. If needed, we can refer you to a public adjuster or roofing-focused attorney. Many denials are reversed when more evidence is presented or when policy language is clarified.
Will I have to pay anything out of pocket for the roof replacement?
You are responsible for your policy’s deductible, which in Halls is commonly a flat dollar amount or 1 percent of the dwelling coverage. The insurance company issues two checks: the first for the actual cash value (ACV) and the second for recoverable depreciation after the work is completed. We bill the carrier directly for approved items, and you pay only the deductible and any elective upgrades you choose, such as premium shingles or added ventilation. We also offer financing plans if spreading the deductible over several months is helpful.