Insurance Claims
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Insurance Claims | Storm Damage Restoration | Roofing | Johnson City
When hail, high winds, or pounding rain leave your Johnson City roof bruised and leaking, HEP’s roofing experts step in to make the recovery simple. Our team specializes in storm damage restoration, guiding you from emergency tarping to a fully repaired or replaced roof that meets local codes and manufacturer specs. We document every shingle, flashing, and gutter issue with photos and drone footage, then work directly with your insurance adjuster so you don’t have to juggle paperwork or stress over policy jargon.
From the first free inspection to the final cleanup, you’ll have a single point of contact who keeps you updated and answers every question. We use premium, impact-rated materials backed by industry-leading warranties, and we complete most jobs in just one day—minimizing disruption to your home and family. Trust HEP to turn storm chaos into a stronger, safer roof and restore your peace of mind along the way.
FAQs
How do I know if my roof has storm damage that qualifies for an insurance claim in Johnson City?
Storm damage is not always obvious from the ground. Common qualifying issues include missing or creased shingles, hail bruises, punctures, lifted flashing, and water stains in the attic or ceilings. After any major wind or hail event, schedule a professional inspection. Our HAAG-certified inspectors document damage with photos, mark affected areas with chalk, and prepare a detailed report that meets insurance carrier requirements.
What steps should I take immediately after a storm to start the roof insurance claims process?
1) Ensure safety first—stay clear of downed power lines and loose debris. 2) Take date-stamped photos or video of visible exterior and interior damage. 3) Call your insurance company’s claims hotline to open a claim and receive a claim number. 4) Contact us for a complimentary roof inspection; we will meet the adjuster on site, provide temporary tarping if necessary, and supply an itemized estimate. Acting quickly preserves evidence and prevents further damage that might not be covered later.
Will filing a storm damage claim raise my homeowners insurance premium?
Johnson City homeowners are usually not penalized for Acts of God such as wind or hail. Premium increases are generally based on the overall storm-related losses in your ZIP code, not on individual claims. If the damage exceeds your deductible, filing is typically in your best financial interest. We can perform a no-obligation inspection to confirm that the damage is claim-worthy before you contact your carrier.
How does your roofing company assist with the insurance claims process in Johnson City?
We act as your advocate from start to finish: • Provide a free, no-pressure inspection and a damage report formatted for insurers. • Meet the adjuster to ensure all storm-related damage is identified and accurately measured. • Review the carrier’s scope of loss and negotiate any omissions or undervalued items. • Handle code-upgrade supplements required by Johnson City and Tennessee building codes. • Perform all roof repairs or full replacement to manufacturer specifications and local codes. • Submit completion documents and photos so you receive final depreciation and recoverable amounts quickly.
How long do I have to file a storm damage roof claim in Tennessee?
Most homeowner policies require you to file "promptly," and many carriers set a deadline of 6–12 months from the date of loss. Tennessee’s statute of limitations for breach-of-contract suits is 6 years, but relying on that window can risk denial. We recommend initiating the claim within 30–60 days of the storm. If you’re unsure of the storm date, we use weather-forensics reports from NOAA and third-party databases to verify the loss date for your insurer.
What if my insurance company’s estimate is lower than your roofing estimate?
Discrepancies are common because carriers use standardized pricing software and may overlook local code upgrades or hidden damage. We provide a line-item Xactimate estimate that matches the insurer ’s format, along with photos and code citations. If needed, we file a supplemental claim or request a re-inspection. Over 80% of our customers receive additional funds after supplementation, ensuring the roof is restored to its pre-storm condition without cutting corners or leaving you with out-of-pocket surprises.