How long do I have to file a hail damage claim in Tennessee?

Tennessee homeowners policies typically require you to report storm damage within one year of the event, though some carriers have shorter windows. The sooner you file, the stronger your documentation and the less opportunity for additional weather damage to complicate the claim. Call Storm Ridge immediately after a significant hail event.

How do I know if my roof actually has hail damage?

From the ground, look for: dented metal components (vents, gutters, flashing), broken skylight glazing, missing or cracked shingles, and round dark spots on shingles where granules were knocked off. Definitive assessment requires a professional inspection — hail bruising on shingles is often only visible up close.

Will my insurance company send an adjuster on their own?

After you file a claim, your insurer will schedule an adjuster visit. We strongly recommend having Storm Ridge present at that visit — adjusters commonly miss damage items, particularly granule loss and subtle bruising that significantly affects a roof's remaining warranty and lifespan.

What if my claim is denied?

A denial is not always final. Storm Ridge reviews denied claims and can provide a detailed supplement package with additional documentation. In some cases, a public adjuster or appraisal process can result in a different outcome. Call us before accepting a denial as final.

Storm Damage Guide

What to Do After Hail Damages Your Roof

The 6 steps East Tennessee homeowners should follow in the 72 hours after a hail event — to protect your home, document the damage, and maximize your insurance settlement.

What Happens During a Hail Storm?

Hailstones ranging from pea-sized to golf-ball-sized impact your roof at high velocity, knocking granules off asphalt shingles, denting metal components, and in severe cases cracking or puncturing the roof surface. The damage isn't always visible from the ground — but it affects the structural integrity of your shingles, voids manufacturer warranties, and shortens the remaining life of your roof by years.

Stay Safe — Don't Get on the Roof

After a hail event, your roof may have compromised structural points. Do not attempt to inspect it from above. Your safety is not worth the risk of an injury from a fall on a damaged surface.

Document From the Ground

Walk around your home and photograph what you can see from ground level — dented vents, damaged gutters, broken skylight glazing, and any visible shingle damage. Note the date and time.

Call Storm Ridge for a Free Inspection

Storm Ridge provides free post-storm inspections across East Tennessee. We inspect every square foot of the roof surface, document all damage with timestamped photos, and give you a clear picture of what's damaged before you contact your insurer.

File Your Insurance Claim

Contact your insurance company to report the storm event and request an adjuster visit. Have your Storm Ridge documentation ready — it will support the claim from the first conversation.

Let Storm Ridge Attend the Adjuster Meeting

Insurance adjusters work for the insurance company. Storm Ridge works for you. We attend the adjuster visit, point out damage in real time, and ensure the scope of loss reflects the true cost of the repair or replacement.

Review the Settlement and Proceed

Once the claim is approved, Storm Ridge reviews the scope for missing line items and submits a supplement if warranted. When everything is settled, we complete the restoration with our licensed crew and a written warranty.

Related Services

Storm Damage Restoration Insurance Claims Roof Repair

FAQ

Hail Damage Questions — Answered

Hail Hit Your Roof? Call Storm Ridge.

Free same-day storm inspection across East Tennessee. We document everything and guide you through the insurance process.

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