Insurance Claim
Insurance Claim | Storm Damage Restoration | Roofing | Hixson
When high winds and hail rip through Hixson, HEP arrives fast with a team that excels in insurance claim roofing. We deploy HAAG-certified inspectors to document every bruise, crease, and missing shingle, then prepare a bulletproof estimate so your adjuster sees the full scope of necessary storm damage restoration. That means you spend less time arguing over coverage and more time planning the look of your brand-new roof.
From the first emergency tarp to the last quality-control sweep, our project managers handle all paperwork, code compliance, and carrier negotiations on your behalf. You pick from premium GAF or Owens Corning materials; we install them with craftsmanship backed by lifetime warranties and a spotless-yard guarantee. The result is a roof—and a claims experience—strong enough to weather whatever comes next in Hixson.
FAQs
How do I know if my Hixson home’s roof damage qualifies for an insurance claim?
Storm damage that results from sudden events such as hail, high winds, falling limbs, or wind-driven rain is usually covered by homeowners’ insurance. Signs include missing or lifted shingles, dents in metal components, granule loss, water spots on ceilings, or debris impacts. Our certified inspectors perform a free, no-obligation assessment that documents all storm-related damage with photos and written notes so you’ll have the evidence needed when filing a claim.
What is the first step in filing a roofing insurance claim after a storm?
Call your insurance company’s claims hotline to open a claim and receive a claim number, then schedule a professional roof inspection. We can meet you on-site within 24 hours of your call, perform the inspection, and provide a detailed report with an estimate that matches insurer formatting (Xactimate). We’ll also set up a time to meet your adjuster on the roof, ensuring all damage is identified and included in their scope of loss.
How long does the claim and restoration process take in the Hixson area?
Timeframes vary by insurer and the extent of damage, but most claims progress as follows: 1-3 days for the adjuster inspection, 1-2 weeks for claim approval, and 1-3 days for the roof replacement itself, weather permitting. On average, Hixson homeowners receive approval within 10-14 days of filing, and we can begin work as soon as materials are delivered—often finishing the entire project in less than three weeks from the date of the storm.
Will filing a storm damage claim raise my homeowners’ insurance premiums?
Tennessee law prohibits insurers from raising premiums for a single weather-related claim. Because storms are considered ‘Acts of God,’ insurers spread risk across all policyholders in the region. Rates may rise for the entire area after a severe storm season, but filing your own legitimate claim will not single you out for a surcharge or cancellation.
What if my insurance adjuster’s estimate is lower than your restoration quote?
Discrepancies usually stem from missed line items or local code upgrades. We perform a side-by-side review with the adjuster, supplying additional photographs, manufacturer specifications, and Hamilton County building code references (e.g., drip-edge, ice & water shield, and ventilation requirements). Most insurers issue a supplemental payment to cover the difference once the documentation is provided, ensuring you only pay your deductible—not the gap.
Can you help if my claim was denied or partially approved?
Yes. We offer complimentary claim reviews. If we find valid storm damage that was overlooked, we can assist in filing an appeal or a re-inspection request within the insurer’s allowed timeframe (typically 6-12 months). We provide additional evidence and, if needed, use third-party engineering reports to support your case. Many Hixson homeowners who were initially denied ultimately receive full coverage after a thorough appeal.