Insurance Claim
Insurance Claim | Storm Damage Restoration | Roofing | Sevierville
When Sevierville skies unleash hail, high winds, and driving rain, HEP is the local roofing crew that turns chaos into comfort. Our licensed, factory-certified professionals arrive fast, document every shingle and seam, and advocate for you during the insurance adjuster’s visit so you never stand alone. From emergency tarping to full-scale storm damage restoration, we focus on preserving your home’s value while sparing you the stress of paperwork and red tape.
Because we’ve served Sevier County for decades, we know how to navigate regional building codes, material shortages, and unpredictable mountain weather. You’ll get transparent estimates, photo-rich reports for your carrier, and a dedicated project manager who keeps you updated from claim approval to the final nail. With HEP, your roof is rebuilt stronger, your claim is maximized, and your peace of mind is restored—right when you need it most.
FAQs
What should I do immediately after my Sevierville home’s roof is damaged in a storm?
First, make sure everyone is safe and avoid going onto the roof yourself. Take clear photos or videos of visible damage from the ground, cover any interior leaks with buckets or tarps if possible, and call a reputable local roofing contractor for an emergency inspection. Fast documentation helps protect your insurance claim and prevents additional water intrusion that could be excluded from coverage.
How does the insurance claim process for storm-damaged roofs typically work?
1) Contact your insurance carrier’s claims department to report the loss. 2) Schedule a professional roof inspection; we provide a free, no-obligation report that includes photos, square footage, and a repair or replacement estimate that meets Sevierville building codes. 3) Your insurer assigns an adjuster, and we can meet the adjuster onsite to point out all storm-related damages. 4) The adjuster issues a damage summary called a scope of loss. 5) Once the claim is approved, you’ll receive an initial ACV (actual cash value) check. 6) We complete the roof restoration to code, submit a final invoice and any supplemental items, and you receive the recoverable depreciation payment—leaving you responsible only for your policy deductible.
Will filing a storm damage claim raise my homeowners insurance premiums?
In Tennessee, insurers typically treat severe weather as an "act of God," which means rate increases, if any, are generally based on the overall storm event, not on an individual claim. If your roof truly needs repair or replacement, filing the claim often costs no more in the long run than paying out-of-pocket, because future leaks and interior damage can lead to far higher expenses that are not covered once the claim window closes.
How long do I have to file a roof storm-damage claim in Sevierville?
Most homeowner policies require you to give “prompt” or “timely” notice—usually interpreted as 6–12 months from the date of loss. Tennessee’s legal statute of limitations for property damage is three years, but waiting can jeopardize coverage because insurers argue that delays caused additional damage. We recommend scheduling an inspection within a few days of the storm and submitting your claim within 30–60 days to avoid coverage disputes.
What if my insurance adjuster’s estimate is lower than your roofing quote?
Discrepancies are common, and they don’t mean you’re stuck with the lower figure. We create a detailed Xactimate estimate—the same software used by insurers—listing code-required items such as drip edge, ice-and-water shield, and ventilation upgrades mandated by Sevier County. We then submit a supplement with photos, code references, and pricing data. In most cases the insurer issues a revised scope and the additional funds needed to complete the project properly.
Do you handle all the paperwork and communication with my insurance company?
Yes. As storm-damage restoration specialists, we act as your advocate throughout the claim. We document the damage, meet the adjuster, prepare supplemental estimates, pull Sevierville building permits, and provide completion photos and invoices. You stay informed at every step but avoid the stress of back-and-forth calls and technical jargon. All you do is authorize work, pay your deductible, and enjoy a fully restored, code-compliant roof.