Knoxville and Nashville Roofing Services
Insurance Claim
House Insurance Might Cover Your Knoxville Roof Repair
Imagine this: A storm sweeps through Knoxville or Nashville, damaging some of the houses in your neighborhood. At first, you think your home escaped harm. But then you go outside to take a quick walk around your house, and you see loose shingles on the ground.
You realize your roof has been damaged after all and feel instant anxiety. What do you do? You didn’t budget for anything like this! Above all else, you know that you need your homeowner’s insurance to cover the repairs to your roof.
In situations like this, it’s always best to contact a local roofing contractor. They can be active in the process of providing documentation. For homeowners in Nashville and Knoxville, Mobley Brothers Roofing and Renovation LLC is the perfect choice.
We can repair your roof and increase the likelihood that your insurance company will cover the costs of the repairs. We understand how convoluted and frustrating the insurance claims process can be. And our roofing company does all it can to take the stress out of it.
Know When to Call the Experts
It may be hard to know when your roof in Nashville and Knoxville might need a repair. Unfortunately, even after a harsh storm, the signs may be subtle. Still, there are several clues you can look for. After a storm, you should keep an eye out for:
- Small Dents in Drainpipes and Gutters: This is a sign of heavy hail. When it’s this severe, hail may have left impact damage on your roof. If you spot small, circular dents in your gutters or downspouts, it's a sign that you should investigate your roof further.
- Asphalt Granule Loss: If you see collections of asphalt granules in your gutter or on the ground surrounding your house, your roof may have taken a beating hard enough to knock asphalt loose from your shingles. Any weather that severe means your roof is almost certainly damaged and needs professional intervention.
- Loose or Fallen Shingles: If shingles have come loose, you can be certain that your roof has been compromised. Areas without shingles are more likely to leak. Even if there’s only one on the ground, you have a problem on your hands.
- Leaks: Leaks in your roof can cause significant harm to your home. If you’ve had a bad storm recently, keep an eye out for leaks in your attic or top floor. Watch for discoloration or mildew. Leaks may take some time to become visible, so it’s important to remain vigilant.
Don’t risk your safety by climbing the roof. That’s what we’re here for.
Instead, use a pair of binoculars to examine your roof. Look for loose, missing, or damaged shingles. Also, check for patches where the coloration of your roof is abnormal. These could be areas with standing water or spots where your shingles have lost asphalt granules.
If you suspect your roof is damaged, it’s time to call (615) 906-1195 for professional intervention. We’ll help guide you through the roof insurance claim process in East and Middle Tennessee.
What Damage Will Tennessee Homeowners’ Insurance Cover?
The coverage offered will vary based on your insurance provider. However, it is fairly standard for most companies to cover sudden or unexpected damage caused by storms or fires.
That being said, it is important to be aware that your insurance may find a reason to deny your claim. For example, insurers will typically not cover damage from age or neglected roofing maintenance. Your insurance company may also disagree with you about the cause of your roof issues.
You may know that your roof was fine before the storm last night, but your insurance might believe the damage is because you haven’t hired a professional for roof maintenance in over five years.
At other times, even if your claim is approved, your insurer may only cover a roof patch instead of a full roof replacement. In cases like this, Tennessee’s matching law can be very useful. According to the law:
“When a loss requires replacement of items and the replaced items do not match in quality, color or size, the insurer shall replace items so as to conform to a reasonably uniform appearance according to the applicable policy provisions. This applies to interior and exterior losses.”
Of course, this law is not always applicable. However, if you can’t find shingles that match your roof, you can cite the matching law to build a case that, if the shingles aren’t a visual fit, you need a complete roof replacement. That’s the kind of knowledge our Nashville and Knoxville roofers bring to the table.
Making a Successful Claim with Mobley Brothers’s Help
Filing an insurance claim can be a nerve-wracking process. Approval or denial determines if your roof repairs will be covered or if you’ll have to pay out of pocket. However, with a few simple steps, you can make the process less stressful. When filing an insurance claim, you should:
- Act Promptly: If your area has been hit with storm damage, chances are high that your neighbors are also looking for roofing contractors. Delaying may mean ending up on a waiting list or working with a less experienced roofer. Insurance companies also respond better when claims are filed quickly after the damage happens.
- Confirm Your Coverage: Always review your policy to make sure that the type of damage you have is covered. Many insurance policies have exclusions stating that they will not cover certain types of damage.
- Find a Trustworthy Contractor: With the right roofing contractor in Knoxville, you can safely navigate the claims process and increase your chances of success. Your contractor is there to back you up with their knowledge and experience. And since the insurance coverage helps you pay for the roof, your contractor is also invested in the success of your claim.
- Have Your Contractor Assess the Damage: Your contractor will examine your roof and document the damage they find. They will also estimate the cost of repairs. This will equip you to address any issues that may arise during the insurance inspection.
- Inform Your Insurer: Contact your insurance company and file a claim. This can be done online or over the phone. You will use the damage report from your contractor to support your claim.
- Work with the Insurance Adjuster: Your insurance company will send an insurance adjuster to assess your claim. The adjuster will visit to inspect your roof, so make sure your chosen roofer is present. A roofing contractor has the expertise to explain the damage and advocate for your interests. The goal is to prevent the adjuster from overlooking any damage.
After the adjuster visits, you wait for the determination while remaining in contact with both your insurance company and contractor. This is arguably the worst, most stressful part of the process. However, even if you are hit with a denial, you aren’t necessarily out of options.
Appealing a Denied Claim
Having a claim denied is an incredibly frustrating experience. However, it isn’t necessarily the end of the line. You can dispute the determination, and there are many circumstances when it makes sense to do so.
For example, the insurance adjuster may make a mistake in their determination. They may disagree with you and your contractor about whether the damage is caused by a storm or due to neglected maintenance.
If this happens, you can request a new insurance adjuster to examine your roof and make a determination on your claim. If the insurance company won’t send a different adjuster, you can also hire a public adjuster. A public adjuster can do an independent evaluation and present it to an insurance company. While your contractor is not legally allowed to serve as your advocate with the insurance company, a public adjuster is.
Mobley Brothers will continue providing documentation when you dispute the claim denial. You may want to collect additional supporting materials, like weather reports of the storm that damaged your roof.
In the end, there is only so much about the claim that you can control. However, the process is much easier and typically yields better results if you have the right roofing contractor in your corner.
Why We Should Be Your Partner in the Roof Insurance Coverage Process
Mobley Brothers has a long history of successfully helping customers get insurance claims approved. For 18 years, we have been navigating the claims process for Knoxville customers, and we have the experience to clearly document all damage and effectively communicate with your insurance company. Other reasons that Mobley Brothers is the ideal company to assist you include:
- We Have Commercial Experience: Mobley Brothers maintains, repairs, and replaces both commercial and residential roofs. Whether you are making a claim for your business or your home, we know exactly what to do. Our broad range of knowledge about both commercial and residential roofs ensures that we can precisely describe the damage and advocate for you with the insurance company.
- We Are a Top-Rated Company: Mobley Brothers has been widely recognised for the excellence of our services. We have received an A+ rating from the Better Business Bureau, which demonstrates both our expertise and our commitment to upholding ethical business practices. Mobley Brothers also consistently receives five-star reviews from our customers.
- We Are Certified: Mobley Brothers is a GAF Master Elite Certified Roofing Contractor. This certification means we offer premier roofing materials produced by GAF. It also means that we uphold rigorous standards of quality and training. We can offer the GAF Golden Pledge Warranty, which provides extended coverage for materials and workmanship.
Keep Up with Maintenance to Support Future Claims
Regular inspections and maintenance are the best ways to set yourself up for success with any future claims. Proactive maintenance equips your roof to withstand storms. More importantly, however, a record of inspection reports and professional maintenance makes it much harder for your insurance company to deny claims based on neglect. We recommend that you schedule roofing inspections in Nashville or Knoxville on an annual basis.
Mobley Brothers Has Your Back
Our co-founder, David Mobley, has over 20 years of experience working with insurance claims. When you choose Mobley Brothers to help with the roofing claims process, you choose experience and reliability. We will clearly and comprehensively document the damage, communicate all the problems to the insurance adjuster, and serve as a source of industry knowledge.
With Mobley Brothers, you’ll get nothing but the best, whether it’s expertise or roof repairs. For a free, no-obligation roof inspection, call us at (615) 906-1195 today!
Frequently Asked Questions
Which Insurance Companies Does Mobley Brothers Work With?
We work with all the companies in Knoxville, Lebanon, and Nashville. This includes Higginbotham, William Knight, and Knoxville Insurance Group. There is very little difference between these providers from a process perspective.
What Parts of the Insurance Process Does Mobley Brothers Help With?
Mobley Brothers helps customers by sharing our professional observations with the insurance company. Specifically, we meet with an adjuster from the insurance company and help them identify the damage. This may involve multiple on-roof visits, taking numerous photos, and providing documentation of the damage. Later, we document the repairs or replacements for reimbursement.
What Is the Key to Navigating the Insurance Process?
A strong understanding of building codes and insurance laws is important. This helps when communicating with insurance companies in Nashville or
Can You Handle the Entire Claims Process for Me?
No. While we can help with many aspects of the process, there are legal limits. For example, we can’t make the initial contact with the insurance company. The insured individual must do this when filing their claim. We also cannot negotiate with the adjuster or the insurance company. While we can give you information, we can’t represent you to the insurance company in any way.
How Long Does an Insurance Claim Take?
The time it takes to process your claim is influenced by several factors. For example, providing comprehensive documentation tends to expedite the process. On the other hand, a claim will take longer if the damage is major. Generally speaking, however, many claims are processed in two to four weeks.