Insurance Claim
Insurance Claim | Roofing Done Right | Roofing | Hixson
When Hixson storms leave shingles scattered and stress levels high, HEP steps in with “roofing done right.” From the first inspection to the final nail, our specialists navigate the insurance maze for you, documenting every detail, meeting adjusters on-site, and ensuring your claim reflects the true scope of damage. The result? Maximum coverage, minimal hassle, and a roof that’s rebuilt to outperform the one you lost.
Customers choose us because we pair decades of local experience with manufacturer-certified crews who treat every home as if it were their own. We use premium materials, keep communication crystal-clear, and finish most projects in a single day—so life in Hixson gets back to normal faster. When you want a partner who champions your claim and safeguards your investment, trust HEP’s insurance claim roofing team for roofing done right.
FAQs
How do I know if my roof damage qualifies for an insurance claim in Hixson?
Most homeowner policies in Tennessee cover sudden events such as wind, hail, falling limbs, or storm-related water intrusion. If you noticed missing shingles, granule loss, interior leaks, or dents in guttering after a storm, there’s a good chance the damage is claimable. Our Roofing Done Right team offers free, no-obligation inspections in Hixson. We document all damage with photos, measure the affected areas, and compare findings with your policy language to help you determine whether filing a claim is appropriate.
What is the typical insurance claim roofing process with Roofing Done Right?
1. Free Inspection – We assess damage, take photos, and provide a written report. 2. Claim Filing – If damage is above your deductible, we help you start a claim by calling your carrier together. 3. Adjuster Meeting – We meet the adjuster on-site to make sure all damage is noted and building code items are included. 4. Scope Review – When the carrier issues a scope of loss, we compare it to our detailed Xactimate estimate and negotiate supplements if anything is missing. 5. Schedule & Build – Once the claim is approved, we help you select materials, pull permits, and install the new roof, usually within 1–2 days of work. 6. Final Documentation – After completion, we send photographs, paid invoices, and any code certificates to your insurer so the final depreciation check is released.
Will filing a roof claim raise my insurance premiums?
In Tennessee, claim surcharges typically apply only to liability or frequency-related claims such as water or fire caused by the homeowner. Storm damage is generally categorized as an “Act of God,” and carriers cannot single you out for a rate hike. However, they can raise rates for everyone in a ZIP code that experienced a catastrophe. So while your personal premium might increase slightly along with your neighbors’, filing a legitimate storm claim usually doesn’t put you at any disadvantage.
How long does an insurance roof replacement take from inspection to completion in Hixson?
The timeline varies depending on your insurer’s responsiveness and weather, but most of our customers see full resolution in 3–6 weeks. • Inspection & claim filing: 1–3 days • Adjuster appointment: 5–10 days after filing • Carrier approval & paperwork: 7–14 days • Roof scheduling & production: 1–2 days of actual construction once materials arrive Roofing Done Right keeps you updated at every step and can expedite certain stages by submitting digital photos and estimates directly through the carrier’s online portal.
Do I need to be home during the roof inspection and repair?
You are welcome to be present, but it is not mandatory. For the inspection, we only need access to the exterior and attic hatch if interior moisture readings are required. For the build day, we ask that you move vehicles away from the driveway and secure pets inside. Our crew will photograph progress, protect landscaping with tarps, perform a magnetic nail sweep, and leave your property cleaner than we found it. We provide a digital completion packet so you can review the work even if you were not home.
What if my insurance company only approves a partial repair, but we believe the whole roof needs replacement?
This situation is common. We create a comparative estimate using Xactimate, the same software most carriers use, and highlight code items (IRC, IBC, or local Hixson building requirements) that necessitate a full replacement. We then submit a supplement request with photographic evidence and manufacturer documentation. If needed, we can arrange a reinspect where an engineer or a second adjuster reviews the roof. Over 80 % of our initially partial approvals are overturned to full replacements after we present comprehensive evidence.