When a commercial roof is damaged in Tennessee—whether from storms, wind, or hail—knowing how to navigate the claims process can make the difference between a smooth settlement and months of frustration. Here’s a concise, step-by-step guide to protect your investment and get the payout you deserve.
1. Document the Damage Immediately
As soon as it’s safe, take clear photos and videos of the roof and any interior damage. Include close-ups and wide shots. Save date-stamped evidence—it will be critical if there’s a dispute.
2. Review Your Insurance Policy
Look for coverage specifics on wind, hail, and storm damage. Pay close attention to exclusions, deductibles, and any cosmetic damage clauses that could affect payment.
3. Notify Your Insurance Company Promptly
In Tennessee, prompt notice is key. Delays can be grounds for denial. Provide initial evidence and keep communication in writing whenever possible.
4. Get an Independent Inspection
Don’t rely solely on the insurance adjuster. Hire a qualified roofing contractor or public adjuster to provide an unbiased estimate of the repair or replacement cost.
5. Prepare for the Adjuster’s Visit
Have your documentation ready. Walk them through the damage and point out areas that might be overlooked. Be present during the inspection.
6. Understand the Appraisal Process
If you disagree with the insurer’s offer, Tennessee law allows you to invoke the appraisal clause in your policy. This brings in neutral appraisers to determine the fair value of your claim.
7. Track All Costs
Keep receipts for temporary repairs, mitigation work, and any business interruptions. These may be recoverable under your policy.
Bottom Line
In Tennessee, successful commercial roofing claims require speed, thorough documentation, and persistence. Knowing your rights—and when to bring in outside experts—can significantly improve your settlement.
If you feel you need an outside expert in commercial roofing claims, please feel free to reach out to us.