Insurance Claim
Insurance Claim | Storm Damage Restoration | Roofing | Tracy City
When a fierce Tennessee storm has left shingles scattered across your yard and water spots creeping across your ceiling, HEP’s local team in Tracy City is ready to step in. We combine decades of roofing expertise with seamless insurance-claim support, guiding you from the first inspection to the final nail so you don’t have to battle adjusters or paperwork alone. Our certified crews arrive fast, document every detail, and employ the latest materials to deliver precise storm damage restoration while safeguarding your home’s long-term value.
From emergency tarping to full-roof replacements, we treat every project as if it were our own property—clear communication, tidy job sites, and workmanship warranties included. Call, click, or stop by our nearby office to schedule your free, no-pressure inspection today, and discover why your neighbors trust HEP to put their roofs, and their lives, back together after the storm.
FAQs
How can I tell if my roof has storm damage after severe weather in Tracy City?
Storm damage is not always obvious from the ground. After hail, high winds, or heavy rains, look for missing or lifted shingles, dented metal flashing, granule loss that shows up as bald spots on shingles or as residue in gutters, water stains on ceilings or attic sheathing, and debris piled on the roof. Because many signs can be subtle, we recommend scheduling a free, no-obligation inspection with a qualified Tracy City roofing specialist who can document damage with photos and a written report for your insurance carrier.
What are the first steps I should take once I suspect storm damage to my roof?
1) Ensure safety—stay off the roof and keep family members away from damaged areas. 2) Photograph visible damage from the ground and inside the home to create a time-stamped record. 3) Contact your insurance company to start the claim and receive a claim number; most policies require you to report a loss "promptly" (usually within days). 4) Call a licensed, local roofing contractor who understands Tennessee building codes and can meet your adjuster on-site. We provide emergency tarping/temporary repairs to prevent additional water intrusion, which your policy typically covers. Save all receipts because reasonable mitigation costs are usually reimbursable.
Will my homeowner’s insurance pay for roof repair or replacement caused by storm damage?
In most cases, yes. A standard HO-3 or HO-5 homeowner’s policy covers sudden, accidental damage from wind, hail, and falling debris, subject to your deductible and policy limits. Coverage applies only to the portion of the roof that was damaged; however, Tennessee’s matching statute (TCA § 56-7-135) often allows for full replacement of the roof slopes affected if matching materials are not available. Cosmetic damage (for example, minor dents in metal) may be excluded under some newer endorsements, so review your policy or ask us to help you decipher the wording.
How does the insurance claim process work with your roofing company?
1) Inspection & documentation – We conduct a no-cost evaluation, take photos, and prepare a digital report. 2) Claim filing – You or we (with you on the call) notify your insurer and receive a claim number. 3) Adjuster meeting – We meet your adjuster on the roof to point out damage and ensure all line items (drip edge, ventilation, underlayment, code upgrades) are included. 4) Estimate review – Once you get the insurance estimate (the “scope of loss”), we compare it with our own Xactimate estimate and negotiate any missing items directly with the carrier. 5) Scheduling – After approval, we pick colors, pull required Tracy City permits, and schedule the build. 6) Build & completion – Our crew completes the restoration, we submit a completion certificate, and the insurer releases final funds (depreciation) minus your deductible.
How long do I have to file an insurance claim for storm damage in Tennessee?
While Tennessee law allows up to three years to sue an insurer for breach of contract, most homeowner’s policies require you to report a loss “promptly” or within a specific window—often 180 days to one year from the date of loss. Waiting too long can give the carrier grounds to deny the claim because further deterioration could be considered “gradual damage,” which is not covered. To protect your rights, notify your insurer as soon as you discover damage and keep all correspondence in writing.
Why should I hire a local Tracy City roofing contractor for storm damage restoration instead of an out-of-town company?
Local contractors live and work in the same community, so they understand Sequatchie Plateau weather patterns, city permitting, and Tennessee building codes. They are also easier to reach for warranty service years down the road. Storm-chasing companies may leave town once the work is complete, making warranty claims difficult. Our team is licensed, insured, bonded, and rated A+ with the BBB. We offer transferable workmanship warranties and use only manufacturer-certified crews, ensuring that your new roof meets or exceeds all code and insurance requirements.