Insurance Coordination
Insurance Coordination | Roof Repair | Roofing | Kodak
When a sudden storm sweeps through Kodak, HEP makes roof repair feel effortless. Our local, licensed team documents every shingle, flashing, and gutter issue in clear, insurance-ready language, then meets directly with adjusters so you don’t have to juggle phone calls or paperwork. From small leak fixes to full re-decking, we use only premium materials, respect your schedule, and leave the site spotless—so the only thing you’ll notice is a sturdy, beautiful roof overhead.
Because we’re rooted in East Tennessee, we arrive fast, communicate in plain English, and keep you updated at every milestone. Whether your policy is with a national carrier or a regional insurer, HEP’s specialists navigate the fine print to maximize coverage and minimize out-of-pocket costs. One call, one crew, one seamless experience—that’s HEP’s promise to every Kodak homeowner in need of reliable roof repair.
FAQs
What does “insurance coordination” mean when it comes to roof repair in Kodak?
Insurance coordination is the service of guiding you through every step of the insurance-claim process after your roof has been damaged by wind, hail, fallen limbs, or other covered perils. We inspect the roof, document the damage, meet with the adjuster, provide required estimates, and make sure the scope of work approved by the insurer matches the repairs your home actually needs. Our goal is to get your roof restored to pre-loss condition with as little out-of-pocket cost and hassle for you as possible.
How do you help homeowners file a roof-damage claim in Kodak?
1. Free inspection – Our Haag-certified inspector checks shingles, flashing, decking, gutters, and attic for storm damage. 2. Detailed report – You receive photos, measurements, and a written assessment formatted specifically for insurance carriers. 3. Claim filing assistance – We guide you through the phone or online claim submission, making sure correct loss dates and policy numbers are used. 4. Adjuster meeting – We represent you on site during the adjuster’s visit to point out all damage and answer technical questions. 5. Supplement management – If hidden damage is discovered once shingles are removed, we submit supplemental documentation so additional funds are released. 6. Direct billing – When allowed, we can bill your insurer directly for approved items, reducing paperwork for you.
Does my homeowners insurance automatically cover roof repairs?
Most standard HO-3 and HO-5 policies in Tennessee cover sudden and accidental damage caused by windstorms, hail, falling objects, and weight of ice or snow. They do NOT cover normal wear, lack of maintenance, or manufacturer defects. Coverage is also subject to your deductible and any cosmetic-damage exclusions. We review your policy, explain your deductible (often 1%–2% of dwelling coverage), and let you know whether your loss is claim-worthy before you open a claim.
Should I call my insurance company or a roofer first after a storm?
Call a qualified local roofer first. A professional assessment tells you whether the damage exceeds your deductible and is likely to be approved. Filing an unnecessary claim can raise premiums or count against your claim history—even if no money is paid. We provide free storm assessments in Kodak within 24 hours, so you have solid information before calling your insurer.
How long does the insurance claim and roof repair process usually take?
The typical timeline in Sevier County looks like this: • Day 1-2: Free inspection and claim filing. • Day 3-7: Insurance adjuster schedules and completes site visit. • Day 7-14: Claim decision and first ACV (actual cash value) payment issued. • Day 14-21: Material ordering, permitting, and crew scheduling. • Day 22-30: Roof replacement or repair (usually 1–2 days of on-site work). • Day 30-45: Final inspection, invoicing, and release of recoverable depreciation. Complex claims with supplemental items or code upgrades may extend the process by 1-3 weeks, but we keep you updated at every milestone.
What paperwork or information do I need to provide for insurance-coordinated roof repairs?
1. A copy of your homeowners policy declarations page (shows policy number, coverage limits, deductible). 2. Any prior inspection reports or photos you may have. 3. Claim number and adjuster’s contact info once the claim is filed. 4. Mortgage company details if a lienholder endorsement is required on claim checks. 5. Signed work authorization and any change-order approvals. We handle all other documentation—including Xactimate estimates, code-upgrade justifications, and completion certificates—directly with the carrier to streamline your experience.