Insurance Claim
Insurance Claim | Roof Inspections | Roofing | Rockwood
Swift winds, surprise hail, and relentless Tennessee heat can batter a Rockwood roof long before you ever see a leak. HEP’s seasoned roofing team pinpoints hidden damage with thermal imaging, drones, and a practiced eye, documenting every shingle and seam so you have clear evidence when it matters. Our free, no-obligation roof inspections turn uncertainty into confidence, letting you know whether your roof is sound, needs a minor tune-up, or qualifies for a full insurance replacement.
If a claim is the right path, we handle the heavy lifting—filing paperwork, meeting with the adjuster, and advocating for the payout your home truly needs. While you stay comfortable inside, our local crews work quickly, backed by industry-leading warranties and HEP’s 20+ years of roofing expertise. Schedule today and discover why Rockwood homeowners trust one call to HEP to protect their biggest investment.
FAQs
Why should I schedule a professional roof inspection after a storm in Rockwood?
Severe weather common to Rockwood—hail, high winds, and heavy rain—can cause damage that is not visible from the ground. A certified inspector can document issues such as lifted shingles, punctures, and granule loss before they lead to leaks or structural problems. Timely documentation is crucial for an insurance claim because most policies have strict deadlines for reporting storm damage.
What does my homeowners insurance typically cover when it comes to roof damage?
Most standard homeowners policies cover sudden and accidental damage caused by events like hail, wind, fallen trees, or lightning. They generally do not cover wear-and-tear or maintenance-related issues. Coverage can vary by insurer and policy, so reviewing your declarations page and exclusions is important. Our inspection report is formatted to match insurer requirements, making it easier to demonstrate that the damage is storm-related and not just age-related.
How does the insurance claim process work for roof repairs or replacement?
1) Inspection: We perform a free, no-obligation inspection and provide photographic evidence and a detailed report. 2) Filing: You contact your insurance carrier and open a claim, supplying the inspection report. 3) Adjuster Meeting: We can meet the insurance adjuster on-site to point out the documented damage. 4) Approval & Estimate: The insurer issues a scope of work and an initial payment (ACV). 5) Repairs: Our roofing crew completes the approved repairs or replacement. 6) Final Documentation: We send invoices and completion photos so the insurer can release any remaining depreciation payment (RCV).
How long do I have to file a roof damage claim in Rockwood?
Most insurance carriers require that claims be filed within 6–12 months of the date of loss, but some policies allow as little as 30–60 days. Because storms in Rockwood are tracked by date, filing promptly avoids disputes about when the damage occurred. If you’re unsure of the storm date, our team uses hail and wind reports to establish it for your claim.
Will a roof inspection cost me anything if no damage is found?
No. Our storm-damage inspections are completely free for Rockwood homeowners. If we find that your roof is in good shape or the damage is below your deductible, you owe nothing. We only proceed to repairs or replacement if you decide to move forward and insurance approves the work.
Can you help me if my insurance claim is initially denied?
Yes. Claim denials can happen for reasons such as insufficient documentation or a disagreement over the cause of damage. We offer: • Re-inspection requests accompanied by additional photos and thermal imaging. • Detailed written rebuttals referencing policy language. • Coordination with licensed public adjusters when necessary. Many denials are reversed when supplemental evidence is provided, so a second opinion can make a significant difference.