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How To File Roofing Insurance Claims for Storm Damage in Nashville

Nashville, Tennessee, is a hub of storm activity. The local climate creates perfect conditions for brewing tornadoes and other severe storms. Knowing how to file roofing insurance claims for storm damage behooves home and business owners in surrounding communities. 

Whether you recently experienced damaging weather or want to prepare for it, you can turn to Dragon Scale Roofing & Solar’s storm damage specialist in Nashville. Learn what you can do to obtain replacement cost coverage below. 

Understanding Your Roofing Insurance Coverage

First, you should have an in-depth understanding of how your roofing insurance coverage works. While all plans vary, most will cover roof wreckage from the following weather events:

  • Snow and ice: When frozen precipitation collects on your roof, it could put more weight on it than it can handle. 
  • Winds: Wind damage is common in Tennessee. Fast, persistent winds can send panels and shingles flying. 
  • Hail: Large hailstones could puncture or crack the roof materials. 
  • Lightning strikes: Lightning strikes with incredible force, leaving struck buildings damaged. 
  • Windblown debris: Sometimes, wind blows hard enough to carry heavy debris with it. The debris could collide with the roof, causing costly damage. 

What your coverage pays for depends on whether you have actual cash value or replacement cost value coverage. ACV only pays for your roof’s worth after the damage occurs. RCV pays for the roof’s pre-damage worth. 

RCV is often preferable since it’ll generously cover more roofing repairs and material replacements. Your plan might even pay for a full roof replacement, even if the damage is relegated to one area. If you currently have an ACV policy, consider switching to RCV. 

What Influences Might Affect Your Claim?

The insurance claim process is not one-size-fits-all. The adjuster will consider various factors before determining the coverage amount their company will offer. You might predict your coverage by determining whether the following influences apply to your experience:

  • Claims within the past five years: The Federal Emergency Management Agency lists a slew of recent severe storms in Tennessee, including tornadoes. If you’ve filed multiple claims because of local storm damage, you could face policy cancellation or raised premiums. 
  • Damage level: A roof inspection will determine whether your roof sustained cosmetic or structural damage. Consider paying out of pocket for cosmetic damage to avoid piling on avoidable claims. 
  • Deductible vs. service cost: You should also consider repairing your roof out-of-pocket when the repair cost rivals the deductible. 
  • Roof worth: Different roof materials have varying costs. Additionally, most Nashville roofs last between 30 and 50 years, depending on the maintenance provisions. These factors will affect your coverage. 
  • Your chosen roofing company: A roof contractor who knows their way around insurance claims is mandatory. Choose a company with reps who can advocate for you throughout the claims process. 

How To File Roofing Insurance Claims for Storm Damage in Nashville

Next, examine the process for roofing insurance claims for storm damage. While each process might look different, they typically follow a similar formula:

  1. Request a professional roof inspection immediately following a wind storm. The inspection will determine the damage level and help you navigate from there. 
  2. Document every step of the process. Take photos and gather copies of pertinent paperwork, including the inspection results. This will support your claim. 
  3. Don’t seek repair services until you receive a claim approval. Doing so beforehand will interrupt the process and diminish your claim. 
  4. Contact multiple roofing companies in Nashville, Tennessee, for free estimates and opinions. Make sure your candidates have experience in filing claims and communicating with insurance adjusters. 

Roof Inspection Process

After filing a claim, you’ll meet with the insurance adjuster or another party sent on behalf of your insurance provider. They’ll inspect your roof and determine whether your claim goes through and the reimbursement amount. During this meeting, you should:

  • Compare the adjuster’s photos and documents with yours to ensure they reflect each other
  • Explore how the weather event affected other nearby properties
  • Have questions prepared to ask the adjuster
  • Record the adjuster’s name and responses to your questions
  • Prepare to appeal a claim denial should it occur

Denials or approvals typically come through within a month or two. An approved claim results in a reimbursement check. However, your timeline may vary if the insurance company has numerous claims on its plate at the time. 

How a Storm Damage Claim Might Affect Your Premiums

Most premium prices are set by an algorithm programmed with an equation. The algorithm considers multiple factors to determine a policyholder’s premium, like claim frequency and local risk factors. Therefore, your claim could raise your insurance premiums. 

However, you shouldn’t see a significant increase unless you’ve recently made substantial claims and received reimbursements. Keeping claims relegated to must-have services with high expenses generally inhibits premium raises. 

What To Do With Roof Claim Denials

Your insurance company might deny your claim because of:

  • Wear and tear: An old roof is more prone to damage than a new one. Therefore, your provider may choose not to cover the costs. Regular inspections and maintenance services help prevent denials based on wear and tear. 
  • Pre-existing damage: If you ignored mild damage under a previous policy, you might receive a claim denial from your current provider. Again, annual inspection and maintenance services from professionals can help you avoid this. 
  • Late claim: Check your policy for the claim allowance period. If you don’t file claims promptly, you might miss out on much-needed coverage. 
  • Inaccurate interpretation: Sometimes, the insurance adjuster will accidentally document inaccurate information. Your adjuster is not a professional roofer. Therefore, taking your own photos and requesting inspections from professional roofing companies is mandatory to protect your property. 

If you receive a denial notice, you should immediately appeal the decision. Speak with your chosen roofer and have your evidence on hand to support your case. 

Choose Dragon Scale Roofing & Solar for Legendary Roofing Services 

Dragon Scale Roofing & Solar helps with roofing insurance claims for storm damage in Nashville, Tennessee. We work with many types of roof materials and provide free estimates. 

We also recommend the best type of roofs for hurricanes.

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