Insurance Claims
Insurance Claims | Storm Damage Restoration | Roofing | Sharps Chapel
When high winds, hail, or torrential rain pound Sharps Chapel, HEP is the neighbor you can trust to pick up the pieces. Our licensed roofing specialists arrive quickly to tarp, assess, and document every shingle, flashing, and fascia affected, giving you the detailed proof your insurer needs. From guiding you through claim paperwork to meeting adjusters on-site, we handle the red tape so you can focus on getting life back to normal.
Once the claim is approved, our team moves seamlessly into storm damage restoration, using premium Owens Corning materials and craftsmanship backed by lifetime warranties. We respect your property like it’s our own—maintaining tidy job sites, protecting landscaping, and finishing most roofs in a single day. With HEP, you don’t just get a new roof; you get peace of mind, transparent communication, and a hometown crew devoted to keeping Sharps Chapel covered.
FAQs
How do I know if my Sharps Chapel roof has storm damage that qualifies for an insurance claim?
Visible clues include missing or lifted shingles, dents in metal flashing, granule accumulation in gutters, water stains on interior ceilings, and debris impacts. Because much storm damage is subtle and may not be apparent from the ground, the safest way to determine eligibility is to schedule a professional inspection with an experienced, licensed roofing contractor who understands Union County’s weather patterns. They will document hail hits, wind creases, and related damage with photos and a written report you can present to your insurer.
What is the step-by-step process for filing a roof insurance claim after a storm in Sharps Chapel?
1. Call a local storm-damage roofing specialist for a no-obligation inspection and written assessment. 2. Review your homeowner’s policy to confirm deductible, exclusions, and claim deadline. 3. Contact your insurance carrier’s claims department to open a claim; provide the inspection report and preferred contractor’s information. 4. An adjuster will schedule an on-site visit; it helps to have the roofing contractor present to point out hidden or technical damage. 5. After the adjuster’s estimate is approved, you will receive an initial check (ACV) minus your deductible. 6. Your contractor completes the roof restoration to code, documents progress, and submits a final invoice to release any remaining funds (depreciation). 7. Conduct a final walkthrough to ensure workmanship and warranty paperwork are in order.
How long do I have to file a storm-damage roof claim with my insurance company in Tennessee?
Most homeowner policies in Tennessee allow up to one year from the date of loss, but some carriers shorten that period to 180 or 365 days. Because wind and hail damage can deteriorate quickly and insurers may argue it resulted from delayed maintenance, it is best to report the claim as soon as possible—ideally within 30 days of the storm event. Prompt filing also helps you obtain accurate weather data (NOAA reports) that validate the storm date.
Will filing a roof storm-damage claim increase my homeowner’s insurance premiums?
In Tennessee, claims categorized as “catastrophe events” (wind, hail, tornado) are generally considered Acts of God rather than maintenance issues, so a single storm claim rarely triggers a rate hike specific to your property. However, premiums can rise after a severe weather season across the region as insurers adjust their overall risk. A claim could affect your loss history; multiple claims in a short period may lead to surcharges or non-renewal, so reserve claims for significant damage that exceeds your deductible.
Can I choose my own roofing contractor for storm damage restoration, or do I have to use one recommended by the insurer?
Tennessee law and most insurance policies allow you to select any licensed contractor you prefer. While insurers may provide a “preferred vendor” list, you are not required to use those companies. Choosing a Sharps Chapel-based roofing specialist ensures faster response, familiarity with local building codes, and personalized service. Just make sure the contractor is insured, experienced with insurance paperwork, and willing to meet the adjuster on site.
What does the insurance company typically cover, and what costs am I responsible for during roof storm damage restoration?
A standard replacement cost value (RCV) policy covers the labor and materials needed to restore your roof to its pre-loss condition, including underlayment, flashing, vents, and ridge caps. You are responsible for: (1) your policy deductible; (2) any upgrades you request beyond code requirements (e.g., premium shingles); and (3) maintenance-related items the adjuster deems pre-existing wear. If local building codes require additional ventilation, ice-and-water shield, or thicker decking, those code upgrades are usually covered when properly documented and submitted by your contractor.