You don’t have to face the insurance company alone.
- Every slope photographed and measured
- We meet your adjuster on the roof
- The scope reviewed line by line with you
- Claim already denied or underpaid? Ask about second-look inspections
Insurance adjusters see dozens of roofs a week; yours gets minutes. Whether those minutes go well depends on preparation: damage that's photographed, chalked, and presented by someone who speaks the adjuster's language gets scoped. Damage that "somebody noticed once" gets missed.
That's the entire logic of our claim support. We're not public adjusters and we don't take a percentage — we're the restoration contractor, and thorough claims simply lead to proper restorations. We'll also review your carrier's estimate against Tennessee code requirements (drip edge, ice-and-water barrier, ventilation) that legitimately belong in the scope and are routinely omitted from first drafts.
And the honesty cuts both ways: if your roof's issues are age and wear rather than storm damage, we'll say so before you file — protecting your claims history for when you genuinely need it.
How we support your claim
Evidence first
Free inspection with photo mapping — the foundation every fair claim is built on.
File with confidence
You file with your carrier; we prep you on what to say and what to expect.
Adjuster meeting
We walk the roof with the adjuster so documented damage becomes scoped damage.
Scope & build
We review the estimate for missed code items, then restore to spec and close out the paperwork.
Real Projects. Real Results.
Insurance Restorations We’ve Completed
Insurance Claims Help
Common Questions
How does the roof insurance claim process work in Tennessee?
The short version: document, file, adjust, build.
- Free inspection first. We assess the roof and photograph every bit of storm damage. If the damage doesn't justify a claim, we tell you straight — filing a weak claim can count against you.
- You file the claim. You call your carrier (or file online) and report the date of the storm. We can be on the phone with you if that helps.
- The adjuster visit. Your insurance company sends an adjuster. We meet them on your roof so the damage we documented actually gets seen and scoped correctly.
- Scope and payment. The carrier issues a scope of work and initial payment (often in two parts — the second arrives after the work is complete).
- The build. We restore the roof to code with manufacturer-spec installation, then submit the final invoice and documentation to release your remaining funds.
You pay your deductible — nothing more, nothing less. That's the law in Tennessee, and any contractor telling you otherwise is a red flag.
Should I file an insurance claim for my roof?
Only if the damage justifies it — and that's exactly what an honest inspection tells you.
File when there's documented storm damage (hail bruising, wind-creased or missing shingles, tornado damage) substantial enough to exceed your deductible meaningfully. Don't file for normal aging or minor wear: claims history follows you, and a denied claim helps nobody.
Our process protects you here. We inspect and document first, tell you plainly whether what we found is claim-worthy, and only then do you decide to involve your carrier. If it's not claim-worthy, you'll know what maintenance or repair actually makes sense instead.
Can a roofer waive or "cover" my insurance deductible in Tennessee?
No — and any roofer who offers to is committing insurance fraud and asking you to participate in it.
Tennessee law requires homeowners to pay their deductible, and contractors who "eat the deductible" make up the difference somewhere: inflated invoices to the carrier, skipped materials, or shortcuts on labor. It's also the single most reliable marker of a storm-chasing operation that won't exist when your warranty needs honoring.
We'll help you get every legitimate dollar your policy owes you — real damage, documented thoroughly, scoped fully (including code-required items adjusters sometimes miss). That's how you maximize a claim honestly.
How do I avoid storm-chaser roofing scams?
After every big Middle Tennessee storm, out-of-state trucks appear. Some are legitimate; many are not. Red flags:
- Door-knockers demanding you sign today "to hold your spot in line"
- Offers to waive or eat your deductible (illegal — and the clearest tell there is)
- No local address you can visit, no Tennessee license number, out-of-state plates
- Pressure to sign an assignment-of-benefits or a vague "contingency agreement" before any inspection report
- Cash-only or big deposits up front
Protect yourself: verify the license, ask for the physical office address, read recent local reviews, and get the inspection findings in writing with photos before signing anything. We've been here, we'll be here — 2002 New Deal Potts Rd in Portland isn't going anywhere.
Schedule a storm damage inspection.
We photograph the roof, the gutters, and the soft metals the way a carrier expects to receive it, then tell you honestly whether there is a claim worth filing.