Hail-damage Insurance Claims
Hail-damage Insurance Claims | Siding Solutions | Roofing | Rutledge
When Rutledge roofs take a pounding from hail, HEP steps in with a fast, friendly team that knows how to turn an insurance claim into a stress-free repair. We guide you through every adjuster meeting, document the damage with precision, and fight for the full payout you deserve. Once your claim is approved, our certified craftsmen replace battered shingles, underlayment, and flashing with storm-rated materials that restore curb appeal and resale value.
Need more than a new roof? HEP pairs its hail-proof expertise with seamless siding solutions that match your home’s style and your insurer’s budget. From impact-resistant vinyl to fiber-cement panels, we install products engineered to withstand Tennessee’s toughest weather—backed by long warranties and our neighbor-to-neighbor promise: done right, on time, no surprises.
FAQs
What are the most common signs of hail damage on my Rutledge roof and siding?
On asphalt shingles, look for dark circular bruises, granule loss, or small fractures that expose the fiberglass mat. Metal roofing may show dimples or paint chips. Vinyl or fiber-cement siding can crack, chip, or show impact holes. You might also notice dented gutters, downspouts, or window trim—these are good secondary indicators that hail was strong enough to harm the roof or walls.
What should I do immediately after a hailstorm in Rutledge?
Start with a quick, ground-level inspection to document visible damage with time-stamped photos or video. Avoid climbing onto the roof yourself—hidden structural issues could cause a fall. Next, contact a reputable local contractor—like our Haag-certified inspectors—to schedule a free, no-obligation hail assessment. If shingles are missing or siding is punctured, request emergency tarping or board-up service to prevent water intrusion until permanent repairs are approved.
Does my homeowners insurance typically cover hail damage to roofing and siding?
In most Tennessee and Georgia homeowner policies, hail is listed as a "named peril," meaning covered losses include roof shingles, underlayment, flashing, gutters, and exterior cladding such as vinyl, aluminum, or Hardie siding. You’ll be responsible only for your deductible, as long as the damage exceeds that amount and no policy exclusions apply (e.g., pre-existing wear or lack of maintenance).
How does the hail-damage insurance claim process work when I hire your company?
1) We perform a free on-site inspection and create a detailed photo report. 2) If damage is found, we help you open a claim with your carrier and forward our documentation. 3) We meet the adjuster on your property to ensure all hail-related items are included in the scope. 4) Once the claim is approved, you choose materials and colors; we handle roof replacement, siding repair, gutters, and any code upgrades. 5) We bill the insurer directly for approved work, and you pay only your deductible.
How fast do I need to file a hail claim in Rutledge?
Most insurers require claims to be filed within 6–12 months of the storm date, but waiting can weaken your case because UV exposure and normal aging blur hail impacts. Additionally, Tennessee’s statute of limitations for property-damage lawsuits is three years, so initiating the claim quickly protects your rights. We recommend scheduling an inspection within 72 hours and submitting your claim within 30 days for the smoothest process.
Will filing a hail-damage claim raise my premiums or risk cancellation?
Hail is classified as an "act of nature," so an isolated claim for storm damage generally does not trigger rate hikes or policy cancellation. Premium increases usually occur when a region experiences widespread losses, affecting all homeowners equally rather than singling you out for using your coverage. Maintaining your home with timely storm repairs can actually make you a lower-risk customer in the insurer’s eyes.