STORM DAMAGE? WE HELP YOU GET YOUR ROOF COVERED

How the Roof Insurance Claim Process Works

You do not need to be an insurance expert. That is our job. Here is exactly what happens from your first call to a fully restored roof.

1. 1
   Call for a Free Inspection

   We inspect your roof at no cost, with drone imaging where it helps. You get honest answers about whether the damage justifies a claim. If it does not, we tell you.

2. 2
   We Document the Damage

   High-resolution photos, drone imagery, and measurements capture every visible and hidden sign of damage while it is fresh, before weather or time erases the evidence.

3. 3
   You File, We Back You Up

   You open the claim with your carrier, and we walk you through that call if you want the help. We prepare the written scope of work and repair estimate your insurer needs.

4. 4
   We Meet Your Adjuster

   We stand on your roof with the adjuster during the inspection and walk through the damage from a contractor's point of view, so the full scope makes it into your claim.

5. 5
   We Restore Your Roof

   Once approved, our GAF Certified and Owens Corning Preferred crews restore your roof, register your manufacturer warranty, and bill the insurer directly as your vendor.

6. What It Costs You

   The inspection and documentation are free. On approved claims, your insurance pays the approved scope of work and your only out-of-pocket cost is your deductible. If the deductible is a stretch, financing through Foundation Finance can spread it into monthly payments.

Common Questions About Roof
Insurance Claims

Straight answers to the questions Knoxville homeowners ask us most. Still need help? Call or text (865) 235-1710.

• Will you deal with my insurance company for me?

  We work directly with your carrier and adjuster as your roofing contractor. We document the damage, prepare the written scope of work and repair estimate, meet the adjuster on your roof during the inspection, and submit the final invoice to the insurer. You stay in control of your claim, and we make sure nothing about your roof gets overlooked.

• Do I need a roof inspection before filing a claim?

  We strongly recommend it. A free inspection tells you whether the damage is actually worth a claim before anything goes on your record. If the damage does not justify a claim, we tell you that honestly. If it does, you start the claim with photos, measurements, and documentation already in hand.

• What storm damage does homeowner's insurance usually cover?

  Most Tennessee homeowner policies cover sudden storm damage, including hail, high winds, and falling trees or debris. Normal wear and aging are not covered. Every policy is different, so we document exactly what we find and you can confirm the specifics of your coverage with your carrier.

• How much will I pay out of pocket?

  On most approved claims, you pay your deductible and your insurance covers the rest of the approved scope of work. The inspection and documentation from us are always free. If the deductible is a stretch, financing through Foundation Finance Company can spread it into manageable monthly payments.

• How long does the roof insurance claim process take?

  Most straightforward claims are approved within a few weeks, though timelines vary by carrier and by how many claims a storm generates. We keep things moving by documenting damage quickly, getting your estimate to the carrier fast, and being available when the adjuster schedules the inspection.

• What if my claim is denied or the payout seems too low?

  If we believe damage was missed, we can provide additional documentation and meet the adjuster for a re-inspection. Our photo, drone, and measurement records give you solid footing to ask your carrier for a second look at the full scope of the damage.