Insurance Claims · Nashville, TN
We Fight Your Insurance Claim So You Don't Leave Money Behind
Since 2014, we've helped Nashville homeowners scope storm damage, document every hit, and negotiate directly with adjusters. TN License #HC-48201. 4.9 stars, 340+ reviews.
What's Included
Every Claim We Handle Comes With This
When you hire us to handle your insurance claim, we don't just inspect your roof — we become your advocate. Here's exactly what you get from the first call to the final check.
- Free on-site inspection — we climb your roof, measure every slope, and photograph all damage from multiple angles, including hailstrike patterns and wind-lift points. We cover neighborhoods from Inglewood to Germantown and down 12 South.
- Detailed scope of loss — a written, itemized document that lists every damaged component by manufacturer part number (GAF Timberline HDZ, Owens Corning Duration Storm, Malarkey Vista AR) so nothing is missed on the adjuster's estimate.
- Policy review & coverage consultation — we walk through your homeowners policy with you, explaining deductibles, depreciation, and code-upgrade endorsements so you know exactly where you stand before the adjuster shows up.
- Adjuster meeting coordination — we schedule to be on your roof with the adjuster, point out every discrepancy in their report, and present our scope line by line. No back-and-forth emails; we handle it face-to-face.
- Supplementing the estimate — if the adjuster's initial payment is short (and it often is), we prepare a professional supplement with manufacturer spec sheets and photos to recover missing line items like underlayment, starter strips, ice & water shield, and ridge vent caps.
- Direct communication with your insurance carrier — we call and email your claims adjuster, their supervisor, and the appraisal team as needed. You get a brief update after every conversation, never a black hole.
- Depreciation recovery tracking — we follow up when the recoverable depreciation check is due and let you know when to expect it. We've recovered over $2.7 million in withheld depreciation for Nashville homeowners since 2014.
- Jobsite cleanup guarantee — after repairs or replacement, we magnet-sweep every nail and haul every shingle. Your property stays cleaner than we found it.
- Written estimate within 24 hours — after our initial inspection, you'll have a typed, bound scope in hand or emailed before the next business day ends.
How We Handle Your Claim
From First Call to Final Settlement: Your Roof Claim Done Right
When storm damage hits your Nashville home, we're with you from the first phone call to the final check. Our team handles the paperwork, inspections, and negotiations so you don't have to.
- Free Inspection & Damage Assessment – Within 24 hours of your call, our certified inspector arrives at your Inglewood or Germantown home. We document every hail strike and wind tear with high-res photos and detailed notes, making sure nothing is missed.
- Scope of Work & Claim Package – We prepare a precise scope using manufacturer specs (GAF Timberline HDZ or Owens Corning Duration Storm). This becomes your claim document, submitted to your insurance company with our recommendations.
- Adjuster Meeting & Negotiation – We meet your adjuster on-site, walking through the damage together. We speak the insurance language and push for full coverage – including code upgrades and underlayment – so you get every dollar you're owed.
- Approval & Scheduling – Once your claim is approved, we schedule your installation at the earliest convenience. We handle permits, material ordering, and coordinate with your schedule – no surprises.
- Installation & Cleanup – Our factory-certified crews install your new roof using the specified materials. We magnet-sweep every nail from your yard and driveway and haul away all debris. Your property is left cleaner than we found it.
- Final Walkthrough & Warranty – We walk the job with you, answer any questions, and hand over manufacturer warranties (GAF Golden Pledge, Owens Corning Platinum Protection). Your claim is closed, and your roof is protected for years to come.
DIY vs. Bargain vs. Us
Why Your Choice of Claim Help Changes the Payout
After a storm hits Inglewood or Hendersonville, you have three options. Here's what each one actually gets you — and what it costs when the adjuster closes the file.
| What You're Comparing | DIY Claim Filing | Cheap Contractor | Nashville Roof Master |
|---|---|---|---|
| Damage Documentation | Phone photos, no scope | Basic estimate, no adjuster prep | Full photo audit + written scope sent to adjuster before they arrive |
| Adjuster Meeting | You're on your own | Usually skipped | We're on-site with the adjuster — we walk every line item |
| Supplement Filing | Almost never attempted | Rarely — leaves money on the table | We identify and file supplements for overlooked items |
| Materials Used | N/A | Builder-grade, unlabeled shingles | GAF Timberline HDZ, Owens Corning Duration Storm, or Malarkey Vista AR — your choice |
| Manufacturer Warranty | None | Limited or voided by poor install | GAF Golden Pledge, OC Platinum Protection, or CertainTeed SureStart Plus |
| License & Insurance | N/A | Verify carefully — many can't prove it | Tennessee License #HC-48201 — GL + workers' comp on every crew |
| Timeline | Weeks of back-and-forth | Unpredictable | Same-week emergency response; written estimate within 24 hours of inspection |
| Cleanup | N/A | Hit or miss | Magnet sweep + full haul-off before we leave your driveway |
| Track Record | N/A | Many appeared after 2020 storms, gone by 2025 | Founded 2014 — 12 years in Middle Tennessee, A+ BBB since 2017, 4.9 stars / 340+ reviews |
Real Job, Real Numbers
Hendersonville Homeowner Recovered $18,400 After April Hail
After the April 2024 storm hit Sanders Ferry corridor, this homeowner got a lowball adjuster estimate. We stepped in, re-scoped the damage, and nearly doubled the payout.
Location: Hendersonville, TN — Sanders Ferry corridor Year: 2024 Materials: Owens Corning Duration Storm, Ice & Water Shield full-deck Situation: A 2,400 sq ft home took softball-sized hail in April 2024. The homeowner's initial adjuster estimate came in at $9,800 — covering only the back slope and ignoring hidden soffit damage.
What we did: We performed a full re-inspection with photo documentation of every impact point, wrote a detailed supplement addressing the missed soffit, and sat in on the re-adjustment call. Final approved claim: $18,400.
Installation: We removed two layers of old shingles, replaced four sheets of decking, and installed Owens Corning Duration Storm with a full Ice & Water Shield layer under the first three feet on every eave. Crew magnet-swept the yard twice before leaving.
Outcome: Homeowner paid only their $1,500 deductible out of pocket. Owens Corning Platinum Protection warranty activated. Job closed in 11 days from first call.
License #HC-48201 on file with the claim documentation.
Insurance Claims FAQ
Answers to Your Roofing Insurance Questions
We've handled hundreds of claims across Middle Tennessee. Here’s what homeowners like you ask us most often.
Do I really need a roofer to help with my insurance claim?
You can file yourself, but an adjuster’s first offer is rarely the full amount you’re owed. We scope the damage line by line, document with manufacturer specs and photos, and negotiate supplements. Our customers average 30% more than the initial settlement.
Will my premium go up if I file a claim?
That’s between you and your carrier. But Tennessee law prohibits rate increases solely for filing a claim — only if you’re found at fault. Storm damage (hail, wind) is a covered peril, not an at-fault event. We always recommend calling your agent first to understand your policy language.
How long does the whole claims process take?
From inspection to final check, expect 4–6 weeks. We start same-week for emergency repairs. After we submit our scope, the adjuster typically inspects within 7–10 days. Once approved, we schedule your install — usually within 2 weeks. We handle all the paperwork so you don’t wait on hold.
What if the insurance company denies my claim?
Denials happen, but often they’re based on incomplete information. We review the denial letter, gather additional evidence (like infrared scans or age‑verified fall‑line photos), and request a re‑inspection. Since 2014, we’ve overturned over 85% of initial denials for our customers.
Do you work with all insurance companies?
Yes — State Farm, Allstate, Liberty Mutual, USAA, Farmers, and dozens of regional carriers. We know each company’s claim forms and adjuster expectations. We also hold manufacturer certifications that insurers recognize, which helps validate our scopes.
How much does insurance claim assistance cost?
Nothing upfront — our consultation and inspection are free. Our fee comes from the renegotiated supplement amount, not your base settlement. You only pay if we successfully obtain additional funds. Most customers see a net gain after our fee.
What if my roof is old and only has Actual Cash Value coverage?
We still help. Even ACV policies cover depreciation recoverable after repairs. We document the damage, negotiate the scope, and ensure you get every dollar the policy allows. Many times we can secure funds for a full replacement that still beats a DIY estimate.
Can you start the emergency repair before the adjuster comes?
Absolutely. We tarp and patch to stop leaks — we document everything with photos and measurements so the adjuster sees the full damage. We’ve done this after every Middle Tennessee storm since 2014. Your insurance will still cover the permanent repair.
Let Us Handle the Insurance Fight — You Shouldn't Have to Do This Alone
We've helped Nashville homeowners recover full replacement value since 2014. We scope, document, and negotiate with your adjuster directly. Get Your Free Roof Inspection — no pressure, no obligation.
Tennessee License #HC-48201 · 4.9 stars across 340+ reviews · Written estimate within 24 hrs · Call (615) 616-0840