Family Owned & Locally Operated | GC license #66532

Chattanooga (423) 605-4555 | Nashville 615-984-4343 or This email address is being protected from spambots. You need JavaScript enabled to view it.

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  • A Tennessee Company
  • Insurance Specialists
  • We Know Storm Damage

Frequently Asked Questions

Will this affect my insurance rates or policy renewal?
No. Your rates don't go up if damage occurs. Unlike car insurance policies, where one of the parties involved in an accident is at fault, homeowner's insurance rates cannot increase in the event of an act of nature or God. This is why homeowners insurance is sometimes more expensive in areas with high rates of natural disasters like tornados or hurricanes.


Do I pay more than my deductible?
It's in the contract that you will never need to pay more than your deductible. During your free consultation we determine the full extent of the repairs or renovations needed and calculate the material and labor costs to complete the job. We then negotiate with the insurance company until the entire project is paid in full. With TVHI, every step of the process is taken care of, and you know the job will be done right.


Can I choose to upgrade the materials used on a repair or renovation?
Yes. Although the insurance company will only pay for the cost equivalent for the materials used before the damage occurred, we can provide an assessment of what a desired upgrade would cost after the insurance company's contribution. This is the only time you should ever pay more than your deductible.


Is TVHI licensed, bonded, and insured?
Yes. We can provide certificates of insurance, as well as bond, city, county and state licenses.


Do you have a warranty on your workmanship?
Our work comes with a five year warranty, one of the highest workmanship warranties in the business.


Do you have references?
Yes. We will provide references upon request. We strongly suggest you always ask for references and never be bashful about checking them.


Is TVHI a local company?
Yes. Our team lives and works in Chattanooga, and we are committed to this city, not only as part of the business community, but as friends, parents and neighbors. We'll say hi next time we see you at the grocery store.

Request Free Inspection

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