Insurance Claims
Insurance Claims | Roof Inspections | Roofing | Lenoir City
From sudden spring hail to the relentless summer sun, Lenoir City’s weather can punish your roof without showing obvious scars. HEP’s certified team provides precise, no-cost roof inspections that uncover hidden damage before it turns into costly leaks. We document every shingle, flashing, and ridge with high-resolution photos, then translate the findings into a clear, insurer-friendly report—so your claim moves forward without the usual headaches.
Because we live and work right here in Lenoir City, we know local building codes, HOA requirements, and the quirks of regional insurance adjusters. Once your claim is approved, our craftsmen install premium materials backed by industry-leading warranties, and we stay on site until your yard is cleaner than we found it. Schedule your roof inspections today and let HEP turn insurance red tape into a fast, worry-free path to a stronger, safer roof.
FAQs
Why should I schedule a professional roof inspection after a storm in Lenoir City?
Even moderate hail, wind, or flying debris can loosen shingles and damage the roof deck, but that damage is often invisible from the ground. A professional inspection documents all issues with photos, measurements, and a written report that supports your insurance claim and prevents small problems from turning into costly leaks.
How quickly do I need to file an insurance claim for roof damage in Tennessee?
Most policies require you to report storm damage within 365 days, but waiting can weaken your claim. We recommend booking an inspection within 72 hours of the event; we can then submit a detailed estimate and evidence package to your insurer within a week so there’s no question about when the damage occurred.
What does your roof inspection for insurance claims include?
Our Haag-certified inspector performs a full exterior and attic evaluation, checks shingle condition, flashing, gutters, vents, and structural decking, uses drones and moisture meters, and compiles a photo‐rich report with repair or replacement recommendations. We also provide a line-item estimate formatted for Xactimate—the software most carriers use—so adjusters can process the claim faster.
Will my insurance cover the full cost of a roof replacement?
Coverage depends on your policy type (Actual Cash Value vs. Replacement Cost Value) and deductible. Most Lenoir City homeowners carry Replacement Cost policies, which pay today’s market rate for materials and labor after you meet your deductible. We review your policy, explain coverage, and negotiate directly with the adjuster to maximize the payout and minimize out-of-pocket expenses.
How much does a roof inspection cost if I’m filing a claim?
For homeowners in Lenoir City who intend to file an insurance claim, our inspection is free. If no claim is filed, the standard inspection fee is $149, which we credit toward any repair work you authorize within 90 days.
Can you work with my insurance adjuster and handle the paperwork?
Absolutely. We meet the adjuster on-site, walk the roof together, supply the inspection report, photos, and estimate, and handle supplement requests or code upgrades. Our in-house claims team tracks deadlines, submits documentation, and keeps you informed until the insurer issues the final payment and we complete the roof repair or replacement.