Insurance Claims

A leak or storm damage is stressful enough. Then you have to deal with the insurance company and get a roof estimate at the same time.

We recommend having your roof inspected and the damage documented before you contact your insurance company. Our team inspects your roof, documents the damage, meets with your adjuster, and walks you through the process, with flexible scheduling and clear communication.

How Long Do You Have to File a Roof Claim in Tennessee?

Tennessee law does not set a deadline to report a property insurance claim — your policy does. Policies commonly set much shorter windows than people expect, such as proof of loss within 60 days of the insurer’s request, and many include a contractual time limit for filing suit that is shorter than the statute. Source

Check your policy and report storm damage promptly. For comparison, the general statute of limitations for property damage in Tennessee is 3 years (Tenn. Code Ann. § 28-3-105), but that is not your claim-reporting deadline.

Your Rights Under Tennessee Law

Tennessee’s 2012 roofing-contractor law (SB2714 / HB2915) protects homeowners with insurance-funded roof work: Source

3-day right to cancel: you can cancel a roofing contract within 3 business days, or after written notice that your claim was denied.
Refund within 10 business days when you cancel.
Required disclosures: the contract must include the contractor’s address, phone, license registration and email, and a detailed description of the damage and the repairs.
No claim negotiation by unlicensed roofers: a roofing contractor may not tell you it can negotiate your claim with the insurer unless it is also a licensed public adjuster.

The law is enforced under the Tennessee Consumer Protection Act of 1977.

Public Adjusters and Written Disclosure

In Tennessee, only a licensed public adjuster may act on your behalf with your insurer (Tenn. Code Ann. § 56-6-903). A public adjuster must give you written disclosure of any financial interest in a firm that estimates or performs the repair work on your loss. Tenn. Code Ann. § 56-6-917

Where our team acts as your public adjuster on a claim that we also repair, we disclose that interest to you in writing, as the law requires.

Storm Damage We Document

Wind damage: lifted, creased, or missing shingles and torn flashing
Hail damage: bruised or cracked shingles and dented metal
Fallen trees and debris puncturing the roof
Leaks and interior water damage from storm openings
Damaged gutters and downspouts

Water coming in now? See emergency roof repair and free emergency tarping.

Our roof insurance claim assistance process

Free inspection and documentation — We inspect your roof and document the damage with photos before you call your insurer.
Report the claim — You report the claim to your insurance company. Do it promptly — your policy sets the deadline.
Adjuster meeting — We meet your insurance adjuster at the property to show the damage we documented.
Written scope and contract — A detailed description of the damage and the repairs, with your right to cancel within 3 business days.
Repair or replacement — We complete the work and keep you updated throughout.

What affects what you pay on a roof insurance claim

What drives the price of roof insurance claim assistance
Factor	How it affects the price
Your deductible	The part of an approved claim you pay yourself, set by your policy.
Cause of the damage	Damage from a covered event such as wind or hail may be covered; normal wear and aging usually is not.
Replacement cost or actual cash value	Replacement-cost policies pay to replace the roof; actual-cash-value policies subtract depreciation for the roof’s age.
Code upgrade coverage	Work required to meet current building code is paid only if your policy includes ordinance-or-law coverage.
Scope of the damage	Whether the adjuster approves a repair or a full replacement drives the claim, which is why documentation matters.

Every home is different, so we price every job individually. You get a clear estimate after a free inspection, before any work begins. Request your free inspection.

Repair Credit Toward Your Future Roof Replacement

Sometimes a repair is the right first step — but if your roof eventually needs a full replacement, that repair doesn’t have to be money wasted. At Daniel Hood Roofing Systems, we offer a Repair-to-Replacement Credit Program that applies the value of your earlier repair toward your new roof installation.

This is especially helpful for homeowners planning a long-lasting upgrade like a durable metal roofing system. Ask about repair credit options when you schedule your roof replacement consultation.

The Daniel Hood Guarantee

We won’t sell you a roof you don’t need

Too many roofing contractors convince homeowners they need a new roof long before they actually do. We’ll only recommend a new roof if it’s in your best interest.

We always finish what we start

Most of our new-roof projects are completed within two weeks of the initial call. We won’t leave you waiting around for us to finish up.

Protected for as long as you own the home

Our Lifetime No Leak Guarantee, available as a purchased upgrade on new roofs, covers leaks caused by our installation, including the interior damage they cause, for as long as you own the home. It transfers once when you sell. Read the guarantee terms.

A GAF Master Elite® Contractor

Our roof products are installed by GAF Master Elite® factory-certified roofing contractors. Of all roofers nationwide, only about 3% hold this certification. It is ongoing, and Daniel Hood Roofing Systems invests in regular training to keep our crews at the top of the trade.

Related roofing services

Common questions about roof insurance claim assistance

Should I call my insurance company or a roofer first?

We recommend having your roof inspected and the damage documented first, so you know what you are reporting. Then report the claim promptly: your policy, not Tennessee law, sets the deadline.

Does homeowners insurance cover roof damage in Tennessee?

It depends on what caused the damage and your policy. Damage from a covered event such as a windstorm or hail may be covered; wear and aging usually are not. Your deductible and whether your policy pays replacement cost or actual cash value determine what you pay.

Can I cancel a roofing contract after signing?

Yes. Under Tennessee’s 2012 roofing-contractor law, you can cancel within 3 business days, or after written notice that your claim was denied, and the contractor must refund you within 10 business days.

Will you meet with my insurance adjuster?

Yes. We meet your adjuster at the property to show the damage we documented and make the process as simple as possible.

Get your free, no-obligation roof inspection

Fastest service

Call 865-851-5002

Talk to our scheduler and book your free inspection in one call. Monday – Sunday, 8 AM – 8 PM.

Free, no-obligation inspection
A written, itemized estimate before any work begins
Licensed and insured, family owned for 15+ years

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Roof Insurance Claim Help in Knoxville and East Tennessee