Insurance Adjuster
Insurance Adjuster | Storm Damage Restoration | Roofing | Petros
When an East Tennessee storm batters Petros, HEP’s licensed insurance-adjuster roofers arrive fast, document every shingle and gutter impact, and guide you through the paperwork maze. We meet your carrier on-site, speak their language, and fight to make sure your claim covers everything from decking to drip edge—saving you time, stress, and out-of-pocket surprises. While others send contractors, HEP sends advocates who also happen to be master roofers.
Once the approval lands, our crew pivots straight into storm damage restoration, installing durable Owens Corning materials, upgrading ventilation, and leaving your property spotless before the sun sets. All workmanship is backed by industry-leading warranties and a local team that’s on call long after the clouds clear. Choose HEP and turn a chaotic Petros storm into a hassle-free fresh start.
FAQs
What should I do immediately after a storm damages my roof in Petros?
First make sure everyone in the home is safe and stay clear of any downed power lines or unstable structures. Take clear photos or video of all visible damage from the ground if you can do so safely—shingles in the yard, dents in gutters, missing flashing, interior leaks, etc. Then place temporary protection (a tarp or plastic sheeting) over areas where water could enter. Call your insurance carrier to open a claim and contact a local, licensed storm-damage roofing contractor who also has adjuster experience to schedule a professional inspection. Acting quickly helps prevent additional damage and strengthens your claim documentation.
How does the insurance claims process work for roof storm damage?
1) Report the loss to your insurance company and receive a claim number. 2) A field adjuster is assigned and sets an inspection date. 3) Before that inspection, we perform our own assessment, documenting photos, measurements, and a detailed damage report. 4) On inspection day, we meet the carrier’s adjuster on site to point out storm-related issues that should be covered. 5) The adjuster prepares an initial estimate in Xactimate® or a similar system. We review it for accuracy and supplement any items that were missed—such as code-required upgrades or hidden damage. 6) Once the scope and price are agreed on, you receive the first payment (ACV). We then schedule roof replacement or repairs, pull permits, and complete the work. 7) After completion, we submit final documentation and you receive the depreciation and any approved supplements. You pay only your deductible unless you have elected upgrades beyond what insurance covered.
Why is it important to have a licensed adjuster-roofing specialist inspect my roof rather than relying solely on the insurance company’s adjuster?
The carrier’s adjuster represents the insurance company and may overlook borderline or hidden damage that still compromises the roof’s integrity. A contractor who also carries an adjuster’s license works for you, not the carrier, and understands both construction standards and policy language. We document damage thoroughly, ensure local Petros/Tennessee building codes and manufacturer specifications are included in the scope, and negotiate on your behalf. This often results in a more accurate settlement, minimizes out-of-pocket costs, and reduces the chance of future leaks or denied supplements.
How long do I have to file a storm damage claim in Tennessee?
Most homeowner policies issued in Tennessee allow one year from the date of loss to file a claim, but some carriers shorten that window to as little as 180 days. Additionally, evidence of hail bruising or wind creasing can deteriorate in a matter of weeks under sun exposure, making it harder to prove the damage is storm-related. For those reasons we recommend contacting your insurer and scheduling an inspection within 72 hours after any major storm that passes through Petros. Quick action preserves evidence, speeds repairs, and prevents secondary water damage.
What if my insurance company’s estimate is lower than the cost of repairs?
Discrepancies are common because adjusters may use generic price lists or overlook code items such as ice-and-water shield, drip edge, or ridge ventilation. As your advocate we prepare a line-item estimate in Xactimate with current Petros material and labor rates, attach code citations, manufacturer requirements, and photographic proof, then submit a supplement. If needed we can request a re-inspection or appraisal under the policy’s dispute clause. In most cases the carrier issues an updated payment that fully covers the work without you paying more than your deductible.
Will a storm damage roof claim increase my homeowner’s insurance premiums?
In Tennessee, wind and hail events are categorized by insurers as "Acts of God," so a single claim from a declared storm typically will not raise your individual rate. However, premiums can rise area-wide after a severe weather event because carriers spread the risk across all policyholders in the zip code. Filing a legitimate claim for covered damage usually costs you only your deductible, while failing to repair a compromised roof can lead to larger losses that the insurer may later deny. Always weigh the deductible against the repair cost, but don’t avoid filing out of premium-increase fears if the damage is significant.