Insurance Process
Insurance Process | Storm Damage Restoration | Roofing | Walland
When a sudden Tennessee storm tears through Walland, HEP moves fast to shield your home and your peace of mind. Our team arrives within hours to document every shingle, flashing, and gutter that’s been battered, then guides you step-by-step through filing and finalizing your claim. We speak the same language as the adjusters, so you don’t have to; from photo evidence and moisture readings to the detailed Xactimate estimates insurers require, we prepare and present everything needed for fair coverage. While paperwork is moving, our certified roofers install emergency tarps, preventing further leaks and giving your family immediate security.
Once the check is in hand, we swing into full storm damage restoration mode—matching materials, scheduling around your calendar, and completing most roofs in a single day. Every nail is backed by HEP’s workmanship warranty, and every client gets a dedicated project manager who keeps you in the loop until the last inspection is signed off. With hometown service and big-league expertise, HEP turns insurance hassles into a seamless, confidence-building experience for Walland homeowners.
FAQs
How do I know if my storm-damaged roof in Walland qualifies for an insurance claim?
If high winds, hail, or falling debris have caused shingle loss, dents, punctures, or leaks, there is a good chance your homeowners policy will cover the repair or replacement. Our inspectors perform a free, no-obligation assessment that documents storm-related damage with photographs, elevation diagrams, and a written report prepared in the format insurers require. We also check local hail-storm data from NOAA to strengthen your case before you file a claim.
What is the step-by-step process for filing a roofing insurance claim with your company’s help?
1) Inspection & Documentation – We inspect the roof, gutters, flashing, and attic, then compile a detailed damage portfolio. 2) Claim Submission – You contact your carrier to open a claim; we can be present on the call to provide loss details. 3) Adjuster Meeting – When the insurer schedules an adjuster visit, we meet them on-site, point out the damage, and supply our measurements so nothing is missed. 4) Scope Review – After the adjuster issues a scope of loss, we compare it to our own estimate and negotiate any missing line items (code upgrades, ice-water shield, permit fees, etc.). 5) Restoration – Once the claim is approved, we schedule materials, pull Blount County permits, and perform the roof replacement or repairs to Tennessee code. 6) Completion & Final Payment – We submit completion photos and invoices to the insurer; you pay only your deductible while the carrier issues the remaining funds.
Will filing a storm-damage claim raise my homeowners insurance premium?
Storm, wind, and hail events are considered “acts of God.” In Tennessee, carriers typically cannot raise your individual premium solely because you filed a weather-related claim. However, rates may rise for all policyholders in a region after a catastrophic event. Your claim history matters, but one legitimate storm claim rarely causes a surcharge.
How long does the entire insurance restoration process take in Walland?
From inspection to final shingle installation, most projects take 3–6 weeks. The timeline depends on: • Adjuster scheduling (usually within 7–10 days of claim filing) • Carrier approval time (5–14 days after the adjuster report) • Material availability (we keep popular GAF and Owens Corning colors stocked in Knoxville) • Weather windows for safe installation Emergency tarping can be done within 24 hours to stop active leaks while paperwork is processed.
What out-of-pocket costs should I expect?
Your only required expense is your policy’s wind/hail deductible—often $500 to $1,500 in Blount County. All other covered costs, including code-mandated upgrades and permit fees, are paid by the insurer once we justify them in the scope. If you choose premium shingle upgrades beyond the approved amount, we’ll quote the difference up front so there are no surprises.
Does your work come with warranties after an insurance replacement?
Yes. We are a GAF Certified Contractor, so every full roof replacement includes a 50-year manufacturer’s material warranty and our own 10-year workmanship warranty, transferable if you sell the home. This provides long-term protection that extends well beyond the insurance claim itself.