Insurance Claim
Insurance Claim | Storm Damage Restoration | Roofing | New Tazewell
When fierce winds and driving hail sweep through New Tazewell, HEP’s seasoned roofing team is ready to shield your peace of mind. We act fast, arriving with camera-ready inspections, detailed documentation, and a clear action plan for storm damage restoration that satisfies both your insurer and your schedule. From missing shingles to hidden leaks, our licensed professionals uncover every issue, then guide you through the claims process so you never feel lost in the paperwork.
Because we live and work right here in Claiborne County, we know how unpredictable Appalachian weather can be—and how urgent a secure roof is for your family or business. Count on honest estimates, constant communication, and craftsmanship backed by industry-leading warranties. One call to HEP, and the chaos of the storm gives way to confidence in a roof rebuilt stronger than ever.
FAQs
How can I tell if my New Tazewell roof has storm damage that qualifies for an insurance claim?
Look for visible signs such as missing or creased shingles, dented metal vents, granule loss that exposes shingle mat, or leaks in your attic after wind, hail, or heavy rain. Because some damage is subtle, it’s wise to schedule a free professional inspection within 72 hours of the storm. Our Haag-certified inspectors document all impact points with photos and a written report that meets Tennessee insurance standards.
What should I do immediately after a storm to start the roof insurance claim process?
1) Ensure everyone’s safety and take temporary measures (tarping or buckets) to stop active leaks. 2) Call your insurer’s claims hotline to open a claim and obtain a claim number. 3) Contact us for an emergency inspection; we’ll arrive within 24 hours, photograph damage, and provide a mitigation letter so your insurer knows you acted promptly. 4) Save receipts for any temporary repairs—most policies reimburse reasonable mitigation costs.
Will filing a storm-damage roof claim increase my homeowners insurance premiums?
In Tennessee, storms are considered “Acts of God,” so claims for hail or wind damage generally do not incur individual surcharges. Insurers may raise rates area-wide after a severe weather event, but that increase applies whether or not you filed. If your roof legitimately needs repair or replacement, making a claim ensures you receive the coverage you’re already paying for.
How does your roofing company assist with the insurance claim paperwork and adjuster meeting?
We act as your advocate from start to finish. After our inspection, we generate an itemized Xactimate estimate that mirrors the software carriers use, attach photo evidence, and submit it to your adjuster. On inspection day, one of our project managers meets the adjuster on-site to point out all damage, local code requirements, and any hidden issues. We handle supplements, depreciation schedules, and final invoicing so you never have to chase paperwork.
How long does the storm-damage roof restoration process typically take in the New Tazewell area?
Once the claim is approved, most asphalt shingle roofs are replaced in one to two days of on-site work. Adding gutters, fascia, or interior repairs can extend the job to three to five days. The overall timeline—from claim filing to final payment—ranges from two to six weeks depending on adjuster availability and weather. We coordinate materials in advance so your project moves forward as soon as funds are released.
Do I need multiple estimates before my insurer will authorize a roof replacement?
No. Tennessee law allows homeowners to choose the contractor they prefer, and most carriers now use standardized pricing software rather than competing bids. Submitting multiple estimates can actually slow your claim. A single, detailed estimate from a qualified storm-restoration contractor (like us) that follows Xactimate pricing and local building codes is all your insurer needs to write a fair settlement.