Insurance Claim
Insurance Claim | Storm Damage Restoration | Roofing | Belvidere
When sudden hail or high winds sweep through Belvidere, HEP’s insurance claim roofing team moves fast to protect your home and peace of mind. Our certified specialists arrive promptly for a complimentary inspection, documenting every shingle bruise, missing tab, and gutter tear so your insurer gets a crystal-clear picture of the loss. We bridge the gap between you and the adjuster, translating policy jargon into plain English, and fighting to ensure the payout truly reflects the scope of professional storm damage restoration your roof requires.
From emergency tarping to complete roof replacement, HEP coordinates materials, crews, and timelines around your schedule, keeping you informed with text and photo updates at every milestone. Belvidere homeowners trust our local knowledge, brand-name products, and lifetime workmanship warranty—because a repaired roof should last long after the storm clouds roll away. Ready for worry-free repairs? Call, click, or visit our Main Street office today and let HEP restore both your roof and your confidence.
FAQs
What should I do immediately after I notice storm damage to my roof in Belvidere?
First, make sure everyone in the home is safe and avoid areas where water may be leaking. Next, document the damage with clear photos or videos taken from the ground if possible. Contact our 24/7 emergency line so we can dispatch a crew to tarp or board-up exposed sections and prevent further water intrusion. Finally, notify your insurance carrier to open a claim and provide them with the basic details; we can speak with them directly once you authorize us.
How does the insurance claim process work for storm-damaged roofs, and how do you help?
1) You call your insurance company and receive a claim number. 2) We perform a free inspection, compile photos, and create a detailed Xactimate estimate that follows insurers’ pricing guidelines. 3) We schedule a joint meeting with the adjuster and advocate for all storm-related repairs or replacement the policy covers. 4) Once the scope is approved, you pay only your deductible; the insurer issues the first check (ACV). 5) We complete the roof work, submit final documentation, and the insurer releases the depreciation payment (RCV). Throughout the process we handle paperwork, supplements, and communication so you don’t have to.
Will my homeowner’s insurance pay for a full roof replacement or just repairs?
Coverage depends on your specific policy, the extent of the damage, and the roof’s age. Most Belvidere policies are Replacement Cost Value (RCV), meaning if wind or hail has compromised more than 25–30% of the roof or caused widespread shingle failure, insurers generally fund a full replacement (minus your deductible). Actual Cash Value (ACV) policies reimburse only the depreciated value. Normal wear, manufacturer defects, or pre-existing issues are typically excluded. We review your policy with you so you understand exactly what is and isn’t covered.
How long will the entire storm damage roof restoration take?
Timeline milestones: • Inspection & photo report: within 24 hours of your call • Adjuster meeting: usually 3–7 days after the claim is filed, subject to insurer schedules • Approval & material ordering: 1–3 days after scope agreement • Roof installation: 1–2 days for most homes (weather permitting) • Final inspection & insurer paperwork: 2–5 days post-install. From first call to final check, most Belvidere projects are finished in 2–3 weeks, but large losses or back-logged catastrophes can extend that window.
What happens if my insurance company’s initial settlement is lower than your estimate?
It’s common for the first adjuster report to miss code upgrades, ventilation, flashing, or hidden damage. We create a supplement packet with photos, local building code citations, and itemized costs, then negotiate directly with the insurer’s desk adjuster. Over 90% of the time, the carrier issues additional funds to match the actual repair requirements. You never pay more than your deductible unless you choose optional upgrades.
Do you offer emergency services and what warranties will I have once the new roof is installed?
Yes. We provide 24/7 tarping, temporary board-ups, and interior water mitigation to stop active leaks immediately. After the full replacement, you receive: • A manufacturer’s limited lifetime material warranty (30-50 years depending on shingle line) • Our transferable 10-year workmanship warranty covering labor and installation • Filing of all warranty paperwork with the manufacturer and your insurer. These protections give you long-term peace of mind even after the storm is forgotten.