Insurance Adjuster
Insurance Adjuster | Storm Damage Restoration | Roofing | Rockwood
When fierce Tennessee weather rattles Rockwood, HEP’s insurance-adjuster roofing specialists arrive ready to protect what matters most—your home and your peace of mind. Our certified inspectors document every shingle out of place, every hail bruise, and every wind-torn ridge, then translate that evidence into clear, claim-winning reports. From the first emergency tarp to the final nail, we handle complete storm damage restoration so you can focus on getting life back to normal instead of wrestling with paperwork.
We meet your insurance adjuster on-site, negotiate the scope of work, and make sure your settlement covers premium materials, not shortcuts. Once approved, our local crews move fast, installing durable Owens Corning and GAF roofing systems backed by industry-leading warranties. With transparent communication, upfront pricing, and a crew that treats your property like their own, HEP is Rockwood’s trusted partner for weathering any storm—today, tomorrow, and for years to come.
FAQs
How do I know if my roof has storm damage that qualifies for an insurance claim?
Common signs include missing or curled shingles, dents in metal flashing or gutters, granule loss, interior leaks, and water stains on ceilings. Because some damage is hard to see from the ground, we offer free, no-obligation inspections in Rockwood. Our certified inspectors document every issue with photos and a written report that you can submit to your insurer.
What is the role of an insurance adjuster in the storm-damage restoration process?
The adjuster is the insurance company’s representative who inspects your roof, verifies storm damage, and determines the repair or replacement amount covered under your policy. We meet the adjuster on-site, provide our inspection findings, and advocate for all legitimate damage to be included, helping ensure you receive a fair settlement.
Should I call a roofer or my insurance company first after a storm in Rockwood?
Calling a qualified roofer first is usually best. A roofer can quickly tarp exposed areas to prevent further damage and give you a detailed assessment before you open a claim. If the inspection shows that repairs will likely exceed your deductible, we’ll guide you on how to file the claim and supply the documentation your insurer will request.
How long does the storm-damage roof restoration and claims process take in Rockwood?
Most claims are settled within 1-3 weeks of the adjuster’s inspection. Roof replacement typically follows within 7-10 business days, weather permitting. From the initial inspection to the final invoice sent to your insurer, the average project in Rockwood is completed in 3-5 weeks. Emergency tarping is done the same day you call.
What roofing materials do you use for storm restorations, and are they covered by insurance?
We install premium asphalt shingles, standing-seam metal, and synthetic slate—all products rated for high winds and hail. Insurance covers materials of “like kind and quality,” so if you had architectural shingles, your policy should pay for the same grade or better. We provide itemized estimates to match your current roof or upgrade options if you choose to pay the difference.
Will filing a storm-damage claim increase my insurance premiums?
Storm claims are considered “acts of nature,” so insurers generally cannot raise your individual premium for a single weather-related claim. However, rates can rise for everyone in a region after a major storm. Maintaining your roof, filing only legitimate claims, and working with a reputable contractor help demonstrate that you are a low-risk policyholder.