Insurance Claims
Insurance Claims | Roof Replacement | Roofing | Knoxville
When hail, high winds, or falling debris leave your Knoxville roof looking worse for wear, HEP makes sure the frustration stops with the storm. Our local, credentialed crews step in fast, photographing every dent and tear, guiding you through the paperwork, and meeting adjusters on-site so your claim gets the full attention it deserves. From the first inspection to the last nail, you stay informed, protected, and confident that the job is being handled by East Tennessee neighbors who know exactly how insurers work—and how roofs should too.
Once the claim is approved, our team schedules a seamless roof replacement using premium Owens Corning materials that boost curb appeal and often lower energy costs. We tarp landscaping, magnet-sweep for stray nails, and leave your property spotless, all while backing the new roof with industry-leading warranties. Insurance may have sparked the call, but HEP’s craftsmanship turns a stressful event into an upgrade you’ll appreciate for decades.
FAQs
What types of storm damage to my roof are usually covered by homeowners insurance in Knoxville?
Most standard homeowners policies in Knoxville cover sudden, accidental damage caused by hail, high winds, tornadoes, heavy snow or falling debris—events that are common to East Tennessee’s climate. Normal wear-and-tear, age-related deterioration, and improper maintenance are usually excluded. If a recent storm created missing shingles, punctures, broken flashing or leaks, those losses are typically considered covered perils, making you eligible to file a claim for repair or full replacement.
How can I tell if my roof replacement qualifies for an insurance claim?
After a severe weather event, look for signs such as dented metal vents, granule loss on shingles, lifted or missing shingles, water stains on ceilings, or pieces of roofing in your yard. Because some damage can be subtle, it’s wise to schedule a free, no-obligation inspection with a licensed Knoxville roofing contractor. We document damage with photos and an itemized report that uses the same Xactimate pricing software many insurers rely on, giving you objective evidence to support your claim.
What is the step-by-step process for filing a roofing insurance claim in Knoxville?
1) Call your insurer’s claims hotline to open a claim and receive a claim number. 2) Arrange a professional roof inspection; we meet you onsite, take measurements and photo evidence, and provide a detailed scope of work. 3) An insurance adjuster will schedule a visit; we can attend to ensure all damage is noted and local code items—like Knoxville’s 2018 I-Code ice-and-water shield requirement at eaves—are included. 4) After the adjuster’s report is approved, you’ll receive a settlement detailing ACV (actual cash value), depreciation and your deductible. 5) We finalize a contract, pull city permits, and begin the roof replacement. 6) Once work is complete, we send all invoices and any required supplements to the carrier so you receive the depreciated balance (RCV).
Will filing a roof claim increase my homeowners insurance premiums?
In Tennessee, storm-related claims are classified as “Act of God” losses. Insurers generally cannot raise your premium based solely on a single weather claim, though statewide rate adjustments or multiple claims in a short period can impact costs. Always weigh the size of your loss against your deductible; if repairs are only slightly above your deductible, paying out-of-pocket can sometimes avoid potential future surcharges.
How much will I have to pay out-of-pocket for an insurance-covered roof replacement?
Your only contractual obligation is your policy deductible, which in Knoxville is commonly $500–$2,500 or a small percentage of dwelling coverage. The insurance company pays the Actual Cash Value up front; once we finish the job and submit completion documents, it issues the Recoverable Depreciation. Beware of contractors who offer to “waive” your deductible—that practice is illegal in Tennessee and can void your policy.
Why should I choose a local Knoxville roofing contractor to handle my insurance claim?
A Knoxville-based firm understands regional building codes, permitting requirements and typical storm patterns, which helps ensure the carrier includes code-upgrade items like drip edge, starter strip, and high-wind nailing. We maintain relationships with local adjusters, can respond quickly if supplementation is needed, and provide long-term workmanship warranties you can actually use. Out-of-state ‘storm chasers’ often disappear once the work is done, leaving you with no recourse if issues arise.