Insurance Adjusters
Insurance Adjusters | Storm Damage Restoration | Roofing | Soddy-Daisy
When Soddy-Daisy skies turn fierce, HEP’s licensed insurance adjusters and roofing specialists move fast. We start with a free, on-site inspection, documenting every shingle, gutter, and flashing issue so your claim is airtight. From navigating paperwork to meeting with the carrier on your behalf, our team makes sure you never feel outmatched by the insurance process.
Next comes precise storm damage restoration. Seasoned crews replace compromised decking, install impact-rated materials, and seal vulnerable edges to factory specs—often upgrading your roof’s original performance. With transparent timelines, constant photo updates, and a workmanship warranty that’s as solid as our reputation, HEP helps Soddy-Daisy homeowners regain safety, value, and peace of mind after the storm.
FAQs
How can I tell whether my roof in Soddy-Daisy has storm damage that qualifies for an insurance claim?
Start by looking for obvious signs such as missing or creased shingles, lifted shingle edges, dented metal vents, bent gutters, or piles of granules at your downspouts. Inside the attic, check for water stains or daylight showing through the decking. Because wind and hail damage can be subtle, the safest step is to schedule a no-obligation inspection with a licensed roofing professional. We document every defect with photographs, mark the damaged areas on a diagram, and compare the pattern to National Weather Service storm reports so you’ll know whether the loss is sudden and storm-related—exactly what most homeowner policies cover.
What does the insurance adjuster look for during a storm-damage roof inspection?
The adjuster’s task is to determine cause, scope, and cost. They will: • Walk every slope of the roof, looking for hail impacts that fracture the shingle mat or wind-lifted shingles that break the sealant strip. • Check soft metals (vents, flashing, drip edge) for fresh dents or paint chips that prove hail size and direction. • Inspect ridges, valleys, and field shingles for creases, tears, or missing tabs caused by high wind. • Examine the attic for moisture entry, wet insulation, or split decking. • Review maintenance history to distinguish normal aging from sudden storm damage. They photograph and measure every finding, then use Xactimate or a similar estimating program to calculate the replacement cost value (RCV) per current Hamilton County material and labor rates.
How long do I have to file a roofing storm-damage claim in Tennessee?
Most homeowner policies sold in Tennessee give you 12 months from the date of loss to file a claim, but some carriers shorten that window to 180 days for wind and hail. Because storms in Soddy-Daisy can strike multiple times a year, waiting too long can make it difficult to prove which storm caused the damage. We recommend contacting your agent or reviewing your policy right after any major wind or hail event and letting a professional roofer document the roof conditions immediately. Even if you are inside the deadline, the sooner you file, the sooner you’ll stop leaks and prevent additional, uncovered damage.
Will filing a storm-damage claim raise my homeowners insurance premium?
In most cases, no. Wind and hail are considered “Act of God” losses—events outside the homeowner’s control—so carriers typically can’t surcharge you the way they might after a water or liability claim. What can happen is that rates for entire ZIP codes—like 37379—may increase after a catastrophic storm because the insurer’s risk goes up, regardless of whether you personally filed. If you’ve maintained a claims-free discount for many years, that credit could disappear once a claim is paid, but this is rare with legitimate storm losses. Always weigh the deductible versus the repair cost, and consult your agent if you’re unsure.
Once my claim is approved, how soon can my roof be repaired or replaced?
After the adjuster issues the settlement letter, you’ll receive the first payment (the ACV). From there the timeline usually looks like this: 1. Sign a work authorization with a certified roofing contractor. 2. Your contractor orders materials and pulls a roofing permit with the City of Soddy-Daisy/Hamilton County building department—typically 3–5 business days. 3. A full replacement on an average 2,000-sq-ft roof takes 1–2 days of on-site work, weather permitting. 4. The contractor submits any supplemental documentation for hidden damage (e.g., rotten decking) and schedules the final inspection. 5. Once the insurer releases the recoverable depreciation, you remit that check to the contractor and receive final warranties. From approval to completion, most of our jobs wrap up within 10–14 calendar days.
Why should I hire a local, certified restoration contractor instead of the first company that knocks on my door?
Local, credentialed contractors bring three key advantages: 1. Code compliance and familiarity—We know Hamilton County roofing codes, permit requirements, and wind-speed ratings, ensuring your new roof passes final inspection. 2. Accountability—A company based in Soddy-Daisy or nearby Chattanooga will still be here years from now to service workmanship warranties; many out-of-state storm chasers leave as soon as the last roof is nailed. 3. Insurance claim expertise—Certified restoration firms understand Xactimate pricing, depreciation schedules, and supplemental procedures, so we can advocate for full-scope repairs and keep you from paying out-of-pocket for covered items. Add in manufacturer certifications (e.g., CertainTeed ShingleMaster, GAF Certified) and proper Tennessee licensing and you have peace of mind that both the roof and the claim are handled professionally.