Insurance Claims
Insurance Claims | Roofing Done Right | Roofing | Harriman
When a Harriman storm leaves splintered shingles and a stack of insurance paperwork behind, HEP steps in to shoulder the load. Our seasoned roofing specialists work directly with your adjuster, documenting every dent and drip so your claim pays for the quality repairs you deserve. From the first drone-assisted inspection to the final nail, we protect your home and your peace of mind with transparent communication and no-surprise timelines.
Because we’re local, we know the region’s codes, the insurers, and the weather patterns that test every roof. Combine that knowledge with top-tier materials, factory-trained crews, and lifetime workmanship coverage, and you’ve got roofing done right—built to stand strong long after the next Tennessee thunderstorm rolls through. Let HEP restore your roof, and get back to loving where you live.
FAQs
What types of storm damage are typically covered by homeowners’ insurance in Harriman?
Most standard homeowners’ policies in Harriman cover sudden, accidental damage caused by wind, hail, and fallen limbs—events that are common during our East Tennessee storm season. Wear-and-tear or damage caused by lack of maintenance is usually excluded, but shingles torn off by high winds, punctures from hail, or structural damage from a fallen tree limb are generally claimable. We provide a free inspection to document whether the damage meets insurers’ “sudden and accidental” criteria.
How does Roofing Done Right assist me throughout the insurance claims process?
From the first call to the final shingle, we act as your advocate. 1) Inspection & Documentation—We perform a no-cost inspection, photograph every affected area, and create a detailed damage report. 2) Claim Filing—We help you submit the claim online or by phone, ensuring all required forms and photos are attached. 3) Adjuster Meeting—A project manager meets the insurance adjuster on-site to point out hidden or code-related issues so nothing is missed. 4) Scope Review—We compare the insurer’s estimate with local Harriman code requirements and current material costs, requesting supplements when items are omitted. 5) Restoration—Once approved, we schedule your roof replacement, usually within one to two weeks, and install it in one to two days. 6) Final Paperwork—We send completion photos and invoices to the carrier so your final payment is released promptly.
Will filing a roof claim raise my insurance premiums?
In Tennessee, claims that are classified as “Act of God” events—wind, hail, or other weather-related incidents—generally do not count against you the way at-fault claims (like water damage from a neglected pipe) might. While insurers can raise rates across a region after a major weather event, an individual claim for storm damage should not single you out for a surcharge. Always ask your agent for specifics, but most Harriman homeowners see no policy-specific increase after a legitimate storm claim.
How much will I have to pay out of pocket if my claim is approved?
You are responsible only for your deductible and any non-covered upgrades you choose. For example, if your policy has a $1,000 wind/hail deductible and the insurance carrier approves $14,000 for the roof, they will issue payment for $13,000; you would pay the $1,000 balance. If you decide to upgrade from 3-tab shingles to architectural shingles or add ridge ventilation, we’ll quote that difference up front so you can make an informed decision.
How long does the entire roof replacement process take in Harriman, start to finish?
Claims timelines vary, but most of our Harriman clients see their new roof completed within four to six weeks of the initial inspection. The breakdown is roughly: 1–3 days to file the claim, 7–14 days to meet the adjuster and receive the insurer’s estimate, 3–7 days for any supplemental approvals, and one to two days for the actual roof installation. We keep extra crews available during peak storm season so your project isn’t delayed.
Do you use materials that meet Harriman and Roane County building codes?
Yes. Insurance carriers pay only to restore the roof to pre-loss condition, but they must also comply with local code upgrades mandated by Roane County. We install ice-and-water shield in valleys, synthetic underlayment, and high-wind-rated starter strips, all of which meet or exceed the 2018 International Residential Code adopted locally. We pull all required permits with the City of Harriman and schedule the final inspection so you have complete peace of mind that the new roof is both code-compliant and warrantied.