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Secure Roof Replacement in Ooltewah, TN

Whether this is your first time dealing with a roof replacement or it’s just been a while, it’s always a good idea to know what to expect. The good news is that it’s covered by most insurance, but what’s covered and how to make ta stronger claim continues to elude homeowners.
Know What to Claim
Natural disasters, like a tornado or an earthquake, are usually covered through your homeowners insurance. A lot of them also cover disasters that are man-made, like an airplane crashing into your house while you’re at work. Most of these will result in reimbursement to some degree.
That’s the good news, though, because a lot of the lesser damages that take place on your roof probably aren’t under the same coverage. The distinction is cosmetic damage, like if some of your shingles come off in a storm, and isn’t always insured. Unfortunately, that also means that they can claim that a leak is the result of preexisting damages as opposed to the massive storm that came through the night before. While the things in your house are probably covered, everyday wear and tear on your roof generally isn’t.

Get the Best Roofing Contractor in Ooltewah, TN

Timing is Everything
One thing that many homeowners don’t know is that insurance on their roof doesn’t last forever. In fact, most of the time it’s good for around 20 years and, after that, only covers the roof’s value.


Another thing to remember is that insurance has a deductible that you’ll be on the hook for before insurance kicks in. The older or more dangerous your home is, the higher the deductible. That means that you might want better insurance coverage or certain optional insurance.

Keep Up With Your Roof
Since the everyday cosmetic damages to your roof probably aren’t covered, it’s ultimately your responsibility to keep up with the normal wear. It helps to know the lifespan of your roofing materials and keep track of minor repairs that won’t be covered by insurance.

Roof Replacement in Ooltewah, TN You Can Trust

We want you to know we have your best interest at heart, which is why VLR Homes, LLC gives a free inspection and estimate. There are a lot of things that can cause a policy to be voided, so the first step is using licensed contractors and to get inspections done frequently.
Something as simple as cleaning leaves off of your roof can help, because it will keep water from gathering and weighing down your gutters. The same goes for keeping branches trimmed that might otherwise scratch your roof.
Anytime there’s a big storm that rolls through, you always want to check your roof for signs of damage, because the last thing you want is the insurance to reject a claim by blaming a shingle for water damage.

Let Us Be Your Roof Replacement Specialist in Ooltewah, TN

State Your Claim
There are a few things you can do as a homeowner that will increase your chances of a successful claim with your insurance company, starting with knowing the lifespan of roofing materials. If anything is 25 years old, replace it. A big part of the success will ride on proper inspection and upkeep, so you want to use the best products. If you’re not sure what to use or which manufacturers are at the top, VLR Homes, LLC can suggest some of them.
Part of the upkeep should be organization, because you’ll want to save every file related to your roof including pictures, repair logs, inspection reports, and any maintenance that you’ve had done. It’s also a good idea to have a before and after picture of work to physically have evidence. Then call your insurance for an inspection so that their inspector can examine your roof themselves. Those files and documentation can help your case significantly.
The Price is Right
You might get reimbursed for a complete roof replacement or you might only get partial from your insurance company, but it’s always smart to cut costs when you can. Some contractors will charge $700 per square foot while there are those for half that. Given, the material you decide to put on your roof will have an impact on that number. Asphalt shingles are cheaper while other materials, like slate or metal, are on the higher end. The size of your roof and which season it is will also adjust the total.
While we know that your roof replacement in Ooltewah, TN could be needed at any time, the best time to do it is when Winter ends all the way to the start of Spring. It’s common for companies to offer a discount in that time while Summer is the worst. Of course, it’s also important to play the field and talk to multiple contractors before choosing one.

Like with cars or houses, you never want to take the first offer you get but you should question a cost that’s way under the others. A lot of times that means lower quality. You might want to touch up the things you can to give the contractor fewer things to fix, which lowers the cost for you. 

An effective option for the contractor that will reduce the time of labor is to overlay your roof. By avoiding the need to strip materials and replace roofing, it can take hours off of the total bill.

 It’s true that you can technically do the overlay yourself, but you should know that a future roof replacement in Ooltewah, TN will cost more because of more materials to strip. Not to mention, there’s also a chance that it’ll void manufacturer warranties. No matter what you go with, from the contractor, what materials to use, or if you need help filing an insurance claim, VLR Homes, LLC is the right call for your roof replacement needs!


Service Areas

  • HQ: Soddy-Daisy, TN
  • Bakewell, TN
  • Dayton, TN
  • Graysville, TN
  • Harrison, TN
  • Hixson, TN
  • Lupton City, TN
  • Ooltewah, TN
  • Red Bank, TN
  • Sale Creek, TN
  • Signal Mountain, TN
  • Walden, TN

About VLR Homes, LLC

Founded in 2019 by Francisco Romero, VLR Homes is dedicated to providing the area with roofing and remodeling services of the highest standard. Find out how this family-owned and operated company can put over a decade of general contracting experience to work for you!

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VLR Homes, LLC



We have engaged Francisco and VLR Homes 3 times now. From painting the house, remodeling a master bath and constructing a screened in porch area they have responded with quality work at a fair price. When things came up like they always do, VLR had a solution (some panels of 50 year old siding replaced with Tyvek and up to code replacement). Again, at a fair price and done right the first time. Francisco is responsive with the good and the bad news straight up and always with a plan. We intend to use VLR in the future for projects large or small.

-Paul N. in Hixson, TN

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