When Your Insurance Adjuster Finally Approves the Full Roof Replacement

Clarksville, TN homeowners — this one’s for you!

After weeks (or even months) of back-and-forth with your insurance company, you finally hear those magic words: “Your roof is approved for full replacement.”

But what happens next? And how do you make sure the process goes smoothly from here?

At Three Hartz Roofing, we specialize in guiding homeowners through the insurance claim process — from the first inspection to the final shingle. Here’s what to expect once your adjuster gives you the green light.

✅ Step 1: Review Your Insurance Paperwork

Once your claim is approved, your insurance carrier will send an estimate (called an Xactimate report) detailing the scope of work and the funds they’re releasing.Before signing anything, make sure you understand:

• What’s covered: full replacement or partial?

• Depreciation: how much money is being held back until completion?

• Supplement items: ventilation, flashing, decking, and code upgrades that may need approval later.

If this paperwork feels overwhelming — that’s where we come in. Our team reviews every line item with you so you’re not left guessing what’s included.

🔨 Step 2: Schedule Your Roof Installation

Once your insurance estimate matches our professional scope of work, we’ll get you on the schedule.

Our Clarksville team handles everything:

• Ordering materials

• Coordinating with your adjuster

• Protecting your property during the tear-off

We’ll also help you select the best shingle color and style for your home — whether you’re in Sango, Fort Campbell, or Exit 1

💵 Step 3: Understand Your Out-of-Pocket Costs

Here’s the best part: if your roof claim was approved for full replacement, the only cost to you is your deductible.

🧾 Step 4: Final Inspection & Depreciation Release

After your new roof is installed, your insurance carrier will request proof of completion to release any remaining funds (called “recoverable depreciation”).

We provide detailed documentation — photos, invoices, and completion reports — so the process moves quickly and your final check arrives without delay.

❤️ Why Homeowners Trust Three Hartz Roofing

We’re not just a roofing company — we’re a veteran-owned, family-run business rooted in the Clarksville community.

When you hire us, you’re supporting local families who believe in honesty, hard work, and protecting what matters most: your home.

We’ve helped hundreds of Tennessee homeowners get the roofs they deserve after storm damage, and we’d be honored to help you next.

📞 Ready to Start Your Roof Replacement?

If your insurance adjuster has finally approved your roof — congratulations! Now it’s time to choose the right contractor to bring it to life.

👉 Call Three Hartz Roofing today or schedule your free upgrade consultation online.We’ll make sure your roof is built to last — and your insurance claim works for you.