Insurance Claims
Insurance Claims | Roofing Done Right | Roofing | Soddy-Daisy
When storms sweep through Soddy-Daisy, HEP’s insurance claims specialists move fast to secure your home, document every detail for your carrier, and restore your roof with craftsmanship that locals have trusted for decades. From the first inspection to the final shingle, our team handles paperwork, adjuster meetings, and code compliance so you can focus on everyday life while we deliver roofing done right.
Whether hail left bruises on your asphalt or high winds peeled back metal panels, we match materials, color-blend new sections, and leave your property cleaner than we found it. Neighbors notice the smooth process and flawless finish—insurance companies notice the thorough documentation—while you enjoy the peace of mind that comes with a warranty backed by HEP’s reputation for excellence in Soddy-Daisy. Call today and see how easy protecting your biggest investment can be.
FAQs
How do I know if my roof damage in Soddy-Daisy qualifies for an insurance claim?
Most standard homeowners policies cover sudden, accidental damage caused by wind, hail, fallen trees, or fire. If a recent storm left missing shingles, dents, or leaks, you likely qualify. The best first step is to schedule a free inspection with our Haag-certified roof inspectors. We document all damage with photos, measurements, and moisture readings so you can file a well-supported claim.
What is the step-by-step process for filing a roofing insurance claim with your company?
1. Inspection & Documentation – We visit your Soddy-Daisy home, assess the damage, and create a detailed report. 2. Policy Review – Our claim specialists review your policy limits, exclusions, and depreciation schedules so you know exactly what to expect. 3. Claim Filing – We help you submit the paperwork and photo evidence to your carrier. 4. Adjuster Meeting – We meet the adjuster on-site to ensure nothing is missed and answer technical questions. 5. Approval & Scope – Once approved, we review the insurance scope of work together so you understand line-by-line what’s covered. 6. Roof Replacement/Repair – Our “Roofing Done Right” crews install Owens Corning, GAF, or CertainTeed systems to code—all in one to two days for most homes. 7. Final Documentation – We send completion photos and invoices to your carrier, handle supplemental items, and ensure you only pay your deductible.
Will filing a roof claim raise my homeowners insurance premiums?
In Tennessee, a single weather-related claim is considered an “Act of God” and typically does not result in a rate increase for an individual policyholder. Carriers may raise rates area-wide after a major storm, but that happens whether you file or not. If the damage is legitimate, you are entitled to use the coverage you pay for.
What if my insurance carrier only wants to pay for repairs, but the roof really needs full replacement?
Our licensed team compares the adjuster’s findings with local building codes, manufacturer specifications, and our own inspection data. If repairs are inadequate, we submit a supplement with photos, code documentation, and a line-item estimate. Because we speak the same estimating software language (Xactimate) that insurers use, we have a 90% success rate in getting full replacements approved when warranted.
How long does a typical insurance-paid roof replacement take from claim to completion in Soddy-Daisy?
Most projects wrap up in three to six weeks. The timeline breaks down as: inspection (1 day), claim review and adjuster meeting (7-10 days), approval (another 7-10 days), material ordering and scheduling (3-5 days), and actual roof installation (1-2 days). Weather or supplements can extend the process, but we keep you updated at every step.
What warranties come with an insurance replacement roof installed by Roofing Done Right?
You receive three layers of protection: • Manufacturer Material Warranty – Up to 50-year non-prorated coverage on shingles and accessories when we install a full system. • Roofing Done Right Workmanship Warranty – 10-year labor coverage backed by a written certificate. • Insurance Restoration Warranty – We warrant that all items listed on the insurance scope are installed to code; if the carrier requires additional documentation later, we provide it at no charge. This triple warranty gives Soddy-Daisy homeowners peace of mind long after the claim is closed.