Insurance Claim
Insurance Claim | Storm Damage Restoration | Roofing | Strawberry Plains
When violent winds, pounding hail, and torrential rain sweep across Strawberry Plains, they can leave your roof bruised, battered, and leaking in a heartbeat. That’s when the certified pros at HEP Roofing step in—ready to document every shingle, meet your adjuster on-site, and turn a confusing insurance process into a straightforward path toward storm damage restoration. From temporary tarping to full-scale roof replacement, we work quickly to dry in your home, prevent further loss, and safeguard your claim value.
Our local crews know Strawberry Plains codes by heart, arrive with top-rated materials in tow, and treat each property as if it were their own. You’ll get constant updates, transparent pricing, and a warranty that backs up every nail we drive. Don’t let storm chaos linger—reach out to HEP today and feel the relief that comes from having true restoration experts on your side.
FAQs
What should I do immediately after a storm damages my roof in Strawberry Plains?
First, make sure everyone is safe and stay clear of downed power lines or unstable structures. Next, document the damage with date-stamped photos or videos from the ground—do not climb onto a damaged roof. If safe, place a tarp or buckets inside to minimize interior water intrusion. Contact our emergency response line so we can dispatch a crew to perform a temporary weatherproofing. Finally, notify your homeowner’s insurance carrier that you intend to file a claim; quick notification is required under most Tennessee policies.
How does the insurance claim process work for storm-damaged roofs?
1) Call us for a free storm-damage inspection. We photograph shingles, flashing, gutters, decking, and attic moisture to create a detailed report. 2) You file the claim by phone or online with your insurer and receive a claim number. 3) The insurance company assigns an adjuster; we meet the adjuster on-site to show all damages and local code upgrade requirements. 4) The carrier issues an initial estimate based on Actual Cash Value (ACV). 5) After we complete the roof replacement to manufacturer and Strawberry Plains building-code standards, we send a completion packet to the carrier so they release any recoverable depreciation and code-upgrade funds. 6) You pay only your deductible and any non-covered upgrades; the insurer covers the rest.
Will a professional roof inspection really help my insurance claim?
Yes. Insurers need verifiable proof that the damage was sudden and storm-related. Our Haag-certified inspectors know what hail- or wind-impact patterns look like versus normal wear, and we use chalk, drones, and moisture meters to document it. We compile photos, damage diagrams, and a repair estimate formatted to Xactimate—the software most insurance companies use—so your adjuster can approve the claim faster and with fewer disputes.
How long do I have to file an insurance claim for storm damage in Tennessee?
Most homeowner policies in Tennessee require that storm claims be filed within 180 days to 1 year from the date of loss, but some carriers reduce that window to as little as 60 days for wind or hail. Because Strawberry Plains experiences frequent summer hail and spring wind events, we advise filing as soon as possible to avoid missing deadlines and to prevent secondary damage that the insurer may refuse to cover.
What roofing materials and upgrades are usually covered for full replacement?
If the insurance adjuster confirms that wind or hail made enough functional damage—such as torn shingles, broken seals, or compromised decking—the policy typically pays for full replacement of comparable materials. For most Strawberry Plains homes this means 30-year architectural asphalt shingles, underlayment, flashings, ridge vents, and drip edge. Tennessee’s 2018 ICC building code adoption also means insurers must pay for required code upgrades, such as ice-and-water shield in valleys and synthetic underlayment. Optional upgrades like Class 4 impact-resistant shingles or metal roofing can be requested; insurance usually covers the cost equal to standard shingles, and you pay the difference.
How long will roof restoration take, and will I need to leave my home?
A typical asphalt shingle tear-off and replacement on an average 2,000-sq-ft Strawberry Plains home takes 1–2 days once materials are delivered and weather cooperates. Metal or specialty installations can run 3–5 days. You can stay in the home during the project; expect loud hammering and limited driveway access, but no utilities are disconnected. We perform daily clean-ups with magnetic nail rollers and haul away all debris so your property is safe once the crew leaves each evening.