Honest answers to the questions homeowners actually ask.

A Home Protection Review is a documentation-led look at the roof and the home concerns you've noticed. We come on site, capture drone documentation of the roof, walk the related concerns, and produce a written report with photos, observations, and a recommended next step. It's the starting point for every Garza relationship — whether or not a project ever happens.

No. A Home Protection Review documents visible conditions for the homeowner. Coverage decisions are made by the insurance carrier and/or licensed adjuster — not by us. We don't determine, negotiate, or interpret coverage. If your concern involves a claim, the report can be useful documentation, but the carrier process remains between you and them.

That's fine — we can help with repair and replacement work. We still recommend starting with a Home Protection Review so the scope is documented before pricing. Otherwise the price conversation is built on a guess, and homeowners end up comparing quotes that aren't actually for the same scope.

No. The roof is usually the entry point, but a Home Protection Review is whole-home aware. We document related concerns — comfort, efficiency, exterior openings, leak indicators, and remodel-adjacent items — because home decisions usually touch more than one thing.

Most reviews take 30 to 45 minutes on site, depending on the home and the concerns. The written report typically follows separately so the documentation is organized and readable rather than rushed.

No. That's a coverage question — and coverage decisions are made by the insurance carrier and/or licensed adjuster. We document visible conditions. If your situation calls for claim negotiation, the right person for that conversation is a licensed public adjuster or an attorney who handles homeowner insurance matters.

You receive the written report. From there, the next step is up to you. If a project is warranted, we can scope repair, replacement, or restoration work. If a specialist (HVAC, structural, environmental, etc.) is the right next step, we'll tell you. If no action is needed, we'll say that too.

Yes — restoration and remodeling are part of what we do. The Home Protection Review can also help on the front end of a remodel: surfacing related concerns that quietly affect the project plan before the budget is locked in.

Phase 1 is focused on Chattanooga, Tennessee, and the surrounding area. If you're nearby and not sure whether you're in our service area, ask — the answer is usually yes if you can reach us by phone in a reasonable conversation.

Pricing depends on what you need. The starting conversation is a Home Protection Review — reach out and we'll walk through the options. We'll always be upfront about what's included before anything begins.

No. Garza Roofing and Restoration is a roofing, restoration, and remodeling company. We document visible conditions and provide contractor-side scope information. Public adjusters are licensed to negotiate insurance claims on a homeowner's behalf — that's a different role. If a situation calls for that kind of representation, we can point you toward someone who handles it.

Call us at (423) 556-7116. A real conversation about your concern is often the fastest way to figure out whether a Home Protection Review even makes sense for your situation.