Insurance claims, handled right.
Documented from drone to drywall. Filed in the language adjusters expect. Defended at the on-site meeting. Followed through to approval — or to an honest answer about why a claim isn't coverable. We don't rebate deductibles. We don't inflate scope. We build claims that pass scrutiny.
Storm came through. Now what?
Document the date.
Note the storm date and time. Save any local news clips, NOAA reports, or photos of hail on the ground. Most carriers require the loss date within ~12 months. We can help you find it.
Free inspection.
Call us before you call the carrier. We confirm whether there’s coverable damage. If there isn’t, you save the claim and your premium history. If there is, we document everything.
Build the package.
Photos, measurements, Xactimate line items, code-upgrade documentation. We file with you, not for you — your name stays on the claim.
How a claim moves through Palisade.
Free inspection
Drone overview, ground walk, attic check. Photos archived to your customer file. We tell you honestly whether damage is coverable.
Loss-date research
We cross-reference NOAA storm reports, hail-swath maps, and neighborhood claim density to identify the specific event.
Xactimate estimate
We price the scope in the same line-item software adjusters use. Apples-to-apples. No "trust us" math.
You file
You call your carrier and open the claim. We email you exactly what to say in 90 seconds. Don’t skip this — claims filed by contractors are flagged.
Adjuster meeting
We meet the adjuster on your roof. Most carriers send a rep within 7–10 days. We walk every slope, point to every hit, and document any disputed items in real time.
Approval / supplement
If approved at scope — great. If under-scoped (common), we file a supplement with photos and code citations. Most supplements close within 14 days.
Build & bill
You pay your deductible. We collect ACV at start, depreciation at completion, directly from the carrier. Code-upgrade reimbursement (drip edge, ice-and-water, ventilation) handled the same way.
We don’t rebate deductibles.
Not for any reason.
Under Tenn. Code Ann. § 56-7-2602, it’s a misdemeanor for a contractor to pay, waive, or rebate any portion of a homeowner’s insurance deductible. Doing so is insurance fraud. It voids your claim. Any contractor offering to "eat your deductible" or build it into the estimate is putting your coverage at risk. We won’t do it. Ask us anything else.
What insurance typically pays for. And what it doesn’t.
Usually covered
- Hail damage — circular bruising or fracturing of shingle mat, with granule displacement. Test squares on every slope. 8+ hits per 100 sq. ft. is the typical threshold.
- Wind damage — lifted, creased, or missing shingles from a documented wind event (45+ mph sustained, gusts 60+). The bend creates a fold-line that breaks the seal.
- Tree impact — punctures, structural displacement, or hits to deck and rafters from a fallen branch or tree.
- Sudden interior damage — water staining or saturation traceable to a covered event on a documented date.
- Code upgrades — most policies include "code & ordinance" coverage that pays for current-code requirements (drip edge, ice-and-water shield, ventilation per IRC) even on older homes.
Rarely covered
- Wear and tear — granule loss, curling, blistering, or end-of-life on a 20+ year roof. This is your policy’s "maintenance" exclusion.
- Manufacturer defects — those go through the material warranty, not insurance.
- Damage from un-maintained issues — a leak that’s been ongoing for years before a storm.
- Cosmetic-only damage on some policies — newer carriers in TN are adding cosmetic exclusions to metal roofs. Read your declarations page.
- Damage from acts you took — walking on a brittle roof, hiring a non-licensed contractor, or unauthorized modifications.
Worked with all of them.
What homeowners ask before filing.
Will my premium go up?
Do I need to be home for the inspection?
How long does the whole thing take?
What does "ACV" and "RCV" mean?
Do you accept the insurance payment as full payment?
Storm came through? Don’t call the carrier first.
Call us. A free inspection saves your claim record if there’s nothing coverable, and stacks the deck in your favor if there is.