stormroof

Which Insurance Company Is Best to Work With on Storm Claims?

Thu, 12 Jun 2025 15:24:47 GMT

Choosing an Insurance Company for Roofing Storm Damage Claims

What Homeowners Need to Know from the Experts at StormRoof Systems

When a major storm hits and damages your roof, your first concern is getting it repaired quickly and correctly. The second? Dealing with your insurance company. Unfortunately, not all insurance carriers handle storm claims equally—some are much easier to work with than others.

At StormRoof Systems, we’ve worked with hundreds of insurance claims across the Chattanooga area and beyond. While we can’t officially recommend one company over another, we can share our insights from the field—and give you tips on how to choose an insurer that works for you, not against you.

Why the Right Insurance Company Matters

When your home is damaged by hail, wind, or falling debris, you need fast, fair coverage so you can protect your property. The best insurance companies are those that:

Respond quickly to claims
Communicate clearly and honestly
Send experienced adjusters
Approve necessary repairs without delays
Pay claims in a timely manner

Insurance Companies We Often See Handling Storm Claims Well

While every h omeowner’s experience can vary, based on adjusters and policy details, some companies tend to be more efficient, transparent, and cooperative when it comes to roofing claims.

Based on our experience at StormRoof Systems, the companies below are generally considered easier to work with on storm damage claims:

State Farm – Known for their responsiveness and large adjuster network. Often fair, but very detail-oriented.
USAA – Consistently rated highly for customer service and efficient claims processing (available to military families).
Amica Mutual – Smaller but highly rated; they tend to offer personal attention and are easier to communicate with.
Farmers Insurance – Can be flexible and fair when documentation is thorough.
Nationwide – Generally proactive with storm response teams and willing to work with contractors.

Note: We’ve also worked with many other insurers—from Allstate and Liberty Mutual to local and regional providers. The results depend heavily on the individual policy, adjuster, and the roofing contractor representing you.

What to Watch Out For

Some insurance companies may:

Delay inspections or claim approvals
Dispute legitimate storm damage
Try to pay for partial repairs instead of full replacements
Rely on out-of-town or third-party adjusters with limited roofing experience

This is why it’s crucial to have a professional roofing contractor like StormRoof Systems on your side. We know how to document storm damage properly, communicate directly with adjusters, and advocate for the full scope of repairs you need.

Tips for Filing a Successful Storm Damage Claim

Know Your Policy: Understand what your policy covers before a storm hits, including deductibles and exclusions.
Act Quickly: Report the damage as soon as possible.
Call a Roofer First: Before the adjuster arrives, have us perform a full inspection and provide detailed documentation and photos.
Be Present for the Inspection: If possible, have your roofer meet with the adjuster to ensure nothing is overlooked.
Get a Second Opinion: If a claim is denied or seems low, don’t be afraid to get another roofing estimate—or file an appeal.

StormRoof Systems Is Here to Help

Navigating storm damage and insurance claims can be stressful—but you don’t ha ve to do it alone. At StormRoof Systems, we work directly with your insurance company to ensure your roof is repaired or replaced properly and covered fairly.

If your home has been damaged by a recent storm, reach out to us today for a free storm damage inspection and claim assistance.

StormRoof Systems – Built to Weather the Storm
Chattanooga, TN & Surrounding Areas
Call now to schedule your inspection and take the guesswork out of your claim

Metal vs. Asphalt Shingle Roofs: Which Is Right for You?

Thu, 12 Jun 2025 15:19:08 GMT

Metal vs. Asphalt Roofing for Homes

Expert Advice from StormRoof Systems

When it’s time to choose a new roof, most homeowners face the same big question: Metal or asphalt shingles? Each material has its own strengths and trade-offs, and the best option depends on your goals, budget, and the style of your home.

At StormRoof Systems, we’ve helped homeowners across the Chattanooga area make smart roofing decisions built to last. Here’s a clear breakdown of metal vs. asphalt shingle roofs to help you decide what works best for you.

Asphalt Shingles: The Most Popular Choice

Asphalt shingles remain the most common roofing material in the U.S. for good reason:

Pros of Asphalt Shingles:

Affordable Upfront Cost: Asphalt shingles are budget-friendly and ideal for short-term savings.
Wide Range of Styles: Available in a variety of colors and textures to match your home's exterior.
Easy to Install & Repair: Simple installation keeps labor costs down, and damaged shingles are easy to replace.
Good Performance: Modern shingles offer solid durability and wind resistance, especially architectural-grade shingles.

Cons of Asphalt Shingles:

Shorter Lifespan: Generally lasts 15–30 years, depending on material and climate.
Prone to Wear: More susceptible to algae, mold, and weather damage over time.
Not Eco-Friendly: Made from petroleum products and not easily recyclable.

Metal Roofs: Long-Lasting Protection

Metal roofing has grown in popularity thanks to its longevity, energy efficiency, and modern look.

Pros of Metal Roofing:

Exceptionally Durable: Lasts 40–70+ years with minimal maintenance.
Energy Efficient: Reflects solar heat, helping lower cooling costs in hot climates like Tennessee.
Weather-Resistant: Excellent resistance to wind, hail, fire, and heavy rains.
Low Maintenance: Metal panels don’t crack, warp, or grow algae.
Environmentally Friendly: Often made with recycled materials and fully recyclable at end-of-life.

Cons of Metal Roofing:

Higher Initial Cost: More expensive upfront than asphalt shingles.
Noise Factor: Can be louder during heavy rain or hail if not properly insulated.
Requires Skilled Installation: Installation must be done correctly to avoid issues with seams or fasteners.

Which Roof Should You Choose?

Choose Asphalt Shingles if:
You're on a tighter budget, plan to sell your home within 10–15 years, or prefer a traditional look.

Choose Metal Roofing if:
You want the longest-lasting option, lower energy bills, and are willing to invest more upfront for long-term savings.

StormRoof Systems Can Help

Whether you lean toward the timeless appeal of shingles or the high-performance benefits of meta l, StormRoof Systems will guide you through every step—from product selection to expert installation. We specialize in both materials and offer free roof inspections to determine what’s best for your home, your style, and your budget.

StormRoof Systems – Built to Weather the Storm
Call now for your free estimate
Serving Chattanooga, TN & the surrounding region with honesty, quality, and care

Can Roofs Really be Built on Top of Other Existing Roof Systems to Save Money?

Thu, 12 Jun 2025 15:14:31 GMT

Can Roofs Really Be Built on Top of Other Existing Roof Systems to Save Money?

When it comes to replacing a roof, many homeowners and property managers are looking for ways to save time and money. One commonly asked question is: Can a new roof be built on top of an existing one? The short answer is yes—in some cases, this method is not only possible but also cost-effective. However, it’s important to understand when this approach makes sense and when it may create more problems down the road.

At StormRoof Systems, we believe in educating our clients so they can make informed decisions about their roofing needs. Here’s what you need to know about roof overlays—also known as re-roofing.

When a Roof-Over Makes Sense

Building a new roof over an old one can offer some advantages:

1. Lower Labor Costs:
Tearing off an existing roof is labor-intensive and adds to your overall bill. By skipping the removal process, you’ll save on labor and disposal fees.

2. Faster Installation:
Without the tear-off phase, roofers can complete the job more quickly—ideal for homeowners on a tight timeline or budget.

3. Temporary Budget Solution:
If you need to stretch your dollars now but plan to do a full replacement later, a roof-over can buy you some time—especially in emergency situations.

But There Are Limitations

While it may seem appealing, roofing over an existing system isn’t always the best long-term strategy. Here’s why:

1. Building Codes Matter:
Most local building codes—including many in the Chattanooga area—only allow one additional roofing layer . If your home already has two layers, a full tear-off is legally required.

2. Hides Underlying Problems:
A roof-over won’t address hidden issues like moisture damage, rot, or sagging decking. These problems can worsen over time and lead to more costly repairs down the road.

3. Adds Extra Weight:
Roofs are designed to support a certain amount of weight. Adding another layer may exceed load limits, especially for older structures, which can compromise the integrity of the building.

4. Shorter Lifespan:
Overlay systems typically don’t last as long as full replacements. They don’t adhere as well to the roof decking, and heat can become trapped between layers—accelerating wear.

Our Recommendation

At StormRoof Systems , we inspect every roof thoroughly before making recommendations. If your existing roof is in good condition—flat, dry, and structurally sound—a second layer might be a feasible option to save money short term.

But in most cases, especially for long-term performance and peace of mind, we rec ommend a full tear-off and replacement. It allows us to start fresh, address any hidden issues, and install your new roof system with maximum durability and warranty protection.

Thinking About a Roof-Over?

Let us help you make the right call. Contact StormRoof Systems today for a free roof inspection and consultation. W e’ll evaluate your current roofing system and walk you through the pros and cons based on your specific structure and budget.

StormRoof Systems – Built to Weather the Storm.
Proudly serving Chattanooga, TN & surrounding areas
Call today for a free estimate!

Choosing the Right Roofing Material for Your Climate

Wed, 18 Oct 2023 14:51:53 GMT

Your roof is your home's first line of defense against the elements, and selecting the right roofing material is crucial for its longevity and performance. The choice of roofing material should be influenced by your local climate, as different materials have varying strengths and weaknesses in different weather conditions. At StormRoof, serving Atlanta, Marietta, and the surrounding areas, we understand the importance of this decision, and we're here to help you make an informed choice.

In regions with extreme temperature fluctuations and frequent storms, such as those prone to hurricanes or heavy snowfall, durability is paramount. Metal roofing, like steel or aluminum, is an excellent choice for these climates. It offers exceptional resistance to wind, moisture, and impact damage. On the downside, metal roofs can be noisier during heavy rainfall.

For areas with milder climates and less severe weather, such as those in Atlanta, Marietta, and the surrounding areas, asphalt shingles remain a popular and cost-effective option. They come in various styles and colors and can complement a wide range of architectural designs. While asphalt shingles may not be as durable as metal, they provide excellent insulation and are relatively easy to repair. However, they may not be the best choice for locations with high humidity or extreme temperature fluctuations.

In coastal regions where saltwater and high humidity are prevalent, homeowners should consider materials like concrete or clay tiles. This may be a good choice for homeowners in Atlanta as Atlanta's summers are hot and humid, with temperatures regularly exceeding 90 degrees.These materials are resistant to corrosion and can withstand the corrosive effects of salt-laden air. They also provide excellent insulation against the sun's heat. Nevertheless, it's essential to ensure proper installation to prevent water infiltration, especially during the rainy summer months in Atlanta and Marietta.

In conclusion, choosing the right roofing material for your climate is a decision that impacts your home's comfort, energy efficiency, and long-term maintenance costs. At StormRoof, proudly serving Atlanta, Marietta, and the surrounding areas, we're here to guide you through the selection process, taking into account your local climate, budget, and aesthetic preferences. Whether you opt for metal roofing's durability, asphalt shingles' versatility, or the resilience of tiles, we'll ensure your choice is well-suited to your region's unique weather conditions, providing you with peace of mind and protection for years to come.

What Are the Most Common Reasons Asphalt Shingles Blister?

Thu, 12 Jan 2023 15:25:34 GMT

Asphalt shingles remain the most popular option for residential properties. With proper installation, regular roof inspection and maintenance, they can last beyond their expected lifespan. Moreover, the more you know about the common problems this material experiences, the better you can avoid them and save on repair costs. One of the most common issues you should be aware of is blistering.

Read on to find out possible reasons asphalt shingles blister.

Common Reasons Asphalt Shingles Blister

Insufficient Ventilation

Your roof needs proper ventilation for it to last long and function efficiently. Ventilation eliminates hot air in your attic and allows fresh air to enter. If your roof and attic are not well ventilated, heat and moisture will build up and speed up the deterioration of shingles. Other problems it can cause include ice dams, mold and mildew growth, and sagging decking.

Manufacturing Defect

Sometimes, during manufacturing, moisture gets trapped within the shingles. Asphalt shingles with this manufacturing defect are more likely to blister. As the sun heats the roof’s surface, the moisture in the shingles will cause blisters to develop.

Should You Be Worried About This Problem?

Understandably, many homeowners are worried about this roofing problem. You may not need to contact a roof repair expert yet if blistered shingles still have their granules intact. They should not cause issues with the roofing system or its lifespan.

However, time will come that the blisters on the shingles will pop, and that’s when you need to contact a roofer. Once the blisters pop, the granules on your shingles will loosen and eventually fall off. When this happens, your roof will lose its protection against the sun. It will then lead to even more granular loss, leaks, and other forms of damage.

At StormROOF Systems, LLC., we’re here to assist with your home’s roofing needs. We specialize in roof replacement, repair and storm damage. Give us a call at (470) 300-1768 or fill out our contact form to get a free estimate.

Debunking Popular Myths About Wind Roof Damage

Thu, 12 Jan 2023 15:25:32 GMT

You should always get a professional inspection after a weather related event hits your area. Doing so will allow you to catch wind and storm damage on your roof early. When not addressed, even minor issues can turn to costly issues, such as leaks, mold, and other water-related problems. Moreover, knowing more about wind damage on roofs can help you determine if you need to contact a local professional for repairs.

Discover the truth about the most common misconceptions about wind damage.

Common Myths About Wind-Damaged Roofs

Shingles With Poor Adhesion Are Wind-Damaged

It is common for people to believe that poorly adhered shingles are affected by wind damage. The adhesion of shingles can get compromised due to various reasons. Shingles do not solely lose adhesion due to high winds. What the wind can do is lift and blow off poorly adhered shingles.

Some of the most common culprits behind poor shingle adhesion include manufacturing defects, faulty installation, cold weather installation, aging and deterioration. Shingles can also loosen due to adhesive contamination and thermal cycling or constant expansion and contraction.

Wind Damage on Roof Is Always Apparent

Even if your roof appears fine, you should still get an inspection for storm damage after an extreme weather event. When their roof looks unharmed from the ground, homeowners often believe that there is nothing wrong. However, not all signs of wind damage are obvious until you start experiencing leaks indoors. When the conditions are safe, take a quick check outside and check the first row of shingles from the edge. You may not know it but the wind may have already compromised the waterproof surface of your roof.

Products Rated for High Winds Will Constantly Withstand Weaker Winds

Roofing products are tested during manufacturing so they can be rated for wind resistance. Quality roofing shingles usually come with high wind resistance ratings. Still, it is not a guarantee that these products are completely invincible against winds weaker than they are rated for. Your roof’s ability to withstand damage also depends on its slope, how it was installed, and any existing problems.

You Cannot Avoid Wind Damage on Your Roof

Another common myth about wind roof damage is that there is nothing you can do to avoid it. The truth is, many roofs last for decades without sustaining wind damage. Some systems even go beyond their life expectancy. You can prepare your roof for what nature throws at it with regular inspections and maintenance. If you need a roof repair, do not wait long because over time, the problem will only spread and become costly to repair.

Helpful Tips to Help Avoid Damage on Your Roof

Keep Trees Surrounding Your Home Trimmed

You want to keep the debris on your roof to a minimum and trim trees surrounding your home. Branches, leaves, seeds and other fallen debris from trees can scratch the surface of the shingles. They can also hold moisture, which can accumulate and cause damage over time.

When the next storm hits, branches and limbs can fall because of strong winds. If the impact is strong enough, you may end up with a hole in your roof or some shingles may fall off. By trimming your trees you protect your roof against damage and prevent small creatures from entering your home through chimneys or vents.

Get Regular Inspections

Regular roof inspection goes a long way in maintaining the condition of your roofing system. Keep in mind that this task is best left to an experienced roofer. A trained professional would know what to look for and how to climb and walk on your roof without causing damage. Usually, pros inspect the system for sagging, compromised shingles, algae, pests, and pest infestation. If your roof needs repair, they will let you know.

Make Sure Your Gutters Are Clean

Gutters are essential in keeping your home and landscaping free from water damage. When clogged, they will cause water to back up on the roof and overflow to the rest of your exterior. You should address this problem immediately, because, over time, standing water can harm and weaken your roof. What you can do to avoid clogged gutters is to have them inspected, maintained, and cleaned regularly. With an efficient gutter system, you can avoid issues, such as rot and mold.

Ventilate Your Roof and Attic Properly

Proper ventilation helps avoid roof damage and can also extend the longevity of the system. The better your roof condition, the less likely it is to sustain wind damage in the next weather event. You can also prevent water-related damage in your homes, such as mold and rot. Other benefits you can get from proper roof ventilation are improved indoor air quality and comfort.

Check the Leak-Prone Areas of Your Roof

Leaks typically develop on the seals, joints, and flashing on your roof. Loose or dried sealants are signs you may need to get a roof repair. Being proactive when it comes to the needs of your roof will prolong its life.

Move Everything Inside Before the Storm Arrives

Even before the storm arrives, make sure that you have your vehicles parked inside the garage. It is also a good idea to remove debris, materials, and any object that can get carried by the wind. Experts also recommend removing décor on your exterior before the storm to avoid further damage.

Make Sure to Secure Shingles

High winds will make shingles more susceptible to getting blown off. You can avoid emergency repairs by making sure your roof secures the shingles properly. There should be at least six nails to hold each shingle down. For added protection, you can invest in a waterproof underlayment under the shingles.

Whether you need a roof inspection or repair, you can depend on StormROOF Systems, LLC. Call us at (470) 300-1768 or fill out our contact form to get a free estimate.

Soffits: What Are They and Why Are They Vital to Your Home?

Thu, 12 Jan 2023 15:25:27 GMT

Your roof is made up of various parts that are essential in keeping the system efficient. If your roof is in optimum condition, it will excel in protecting your home and family against extreme weather events and harsh outdoor elements. One important part of the system that many do not know about nor pay much attention to is the soffit.

A local disaster restoration expert shares what soffits are and the essential role they play in your home.

What Are Soffits?

You can find soffits between the eaves of the roof where fascia and gutters are located. If your roof does not have an overhang, then it does not have this component. Soffits help with your home’s appeal as well as its protection against the elements. It keeps the rafters from getting completely exposed. Roof soffits are available in various styles and colors that will add more appeal to any home.

What Is Its Importance to Your Home?

Your roofing contractor will install soffits to keep rafters safe against harsh winter conditions and the elements. When exposed to moisture, rafters can experience issues, such as mold and rot. Mold is one of the last things you want in your home because it is unsightly and harmful to your health.

Another function of soffit is that it helps with your home’s ventilation. A vented soffit will encourage good airflow in your attic. With sufficient ventilation, you can prevent your attic from overheating and protect your roof from early deterioration. It also helps keep your living space from getting too humid and uncomfortable.

For quality roofing services, turn to StormROOF Systems, LLC. We offer roof inspections, assessments, repairs and more! Our experienced team can also assist with your roofing insurance claims. Give us a call at (470) 300-1768 or fill out our contact form to get a free estimate.