Insurance claims, handled right.
Documented from drone to drywall. Filed in the language adjusters expect. Walked through 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. The claim should come from you, the policyholder — not your roofer.
Adjuster meeting
We meet the adjuster on your roof once the carrier schedules it. 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 prepare a supplement with photos and code citations. Supplements usually resolve without much back-and-forth.
Build & bill
You pay your deductible. The rest comes from your claim — the carrier releases the cash value up front and the held-back depreciation once the work is completed and documented. Code-upgrade coverage (drip edge, ice-and-water, ventilation) works 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. We document to the carrier's standard.
- Wind damage — lifted, creased, or missing shingles from a documented wind event. 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 gives you solid, adjuster-ready documentation if there is.