”Insurance

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”Hail,

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, “required”: true}, {“name”: “insurance_filed”, “label”: “Have you filed an insurance claim yet?”, “type”: “select”, “options”: [“No – not yet”, “Yes – waiting on adjuster”, “Yes – adjuster came already”, “Yes – claim denied”], “required”: true}, {“name”: “carrier”, “label”: “Insurance carrier (optional)”, “type”: “text”}]’ faqs=”How do I know if I have storm damage I can’t see?|Hail damage is rarely visible from the ground – it shows up as soft bruises on shingles, dented gutters, dented downspouts, dented AC fins, and granule loss in gutters and downspouts. Wind damage shows up as creases on shingle tabs, lifted shingles, or missing tabs. We will inspect for free and tell you honestly whether you have a claim.
Will filing a claim raise my insurance rates?|Property/casualty claims for storm damage typically do not raise rates the way auto claims do, because storm damage is not your fault. That said, rates can rise across an entire zip code after a major storm event regardless of whether you file. We are happy to discuss this with you before you file.
What if my claim gets denied?|We file a re-inspection request and meet the adjuster on a second visit with our documentation. About 60-70% of initial denials we work get reversed or partially approved. We do not charge for this advocacy.
How much will this cost me?|If the claim is approved, your only cost is your insurance deductible. We bill the insurance company directly for everything else – per Tennessee law, we cannot waive your deductible (and anyone who promises to is breaking the law).
How fast does this all happen?|Inspection: 24-48 hours. Claim filing: 1-7 days. Adjuster meeting: 1-3 weeks (depends on storm volume in your area). Replacement: 2-4 weeks after approval. Total: typically 4-8 weeks from storm to new roof.
Are you licensed and insured?|Yes. We are a fully licensed Tennessee roofing contractor carrying general liability and worker’s compensation. We provide certificates on request before any work begins.
Do you offer financing?|Yes. We partner with multiple lenders to offer 0% intro and long-term financing on roof replacements, repairs, and metal systems. We can pre-qualify you in minutes with a soft credit pull.
How fast can you get someone on my roof?|Most inspections and repair quotes happen within 24-48 hours. Storm response windows are even tighter when conditions allow.
Why should I choose Nashville Roof over a national chain?|We live and work in Middle Tennessee. Our owners answer the phone, our crews are W-2 employees (not subs), and we honor every workmanship warranty in person. National chains pass you through call centers and use traveling sub-crews.”]