Insurance Adjuster
Insurance Adjuster | Storm Damage Restoration | Roofing | Decatur
When hail hammers your shingles or high winds send limbs crashing onto the roof, one call to HEP is all it takes to put your Decatur home on the fast track to recovery. Our certified insurance-adjuster roofers show up ready to climb, document, and fight for every penny your policy promises. We turn complicated claims paperwork into a smooth, transparent process—mapping out damage with drone photos, meeting the carrier’s inspector on-site, and translating fine-print jargon so you never have to wonder what comes next.
Once your claim is approved, our production crew swings into action with premium Owens Corning and GAF materials, installing a watertight system that’s warrantied for decades and tailored to your home’s style. From emergency tarping to final gutter clean-up, HEP handles each phase of storm damage restoration with the speed of first responders and the craftsmanship of master roofers —so you can get back to normal life under a roof that’s stronger than ever.
FAQs
How do I know if my roof in Decatur has storm damage that qualifies for an insurance claim?
After wind, hail, or heavy rain rolls through Decatur, look for missing shingles, dented metal components, granule loss in gutters, water stains on ceilings, or debris on the roof. Because some damage is subtle, schedule a free, no-obligation inspection with a certified roofing specialist. We document all storm-related issues with photos and a written report that meets insurance carrier standards, so you’ll know whether the damage is extensive enough to file a claim.
What is the role of an insurance adjuster in the storm damage restoration process?
The insurance adjuster is assigned by your carrier to verify the cause, scope, and cost of the storm damage. They inspect the roof, review the contractor’s documentation, and compare repair estimates with your policy coverage. A reputable Decatur roofing contractor will meet the adjuster on-site, point out damage that might otherwise be missed, and supply itemized pricing using the same Xactimate software adjusters use, helping ensure you receive a fair payout.
How long do I have to file a roof damage claim after a storm in Decatur?
Most homeowners insurance policies in Alabama and Georgia give you 12–24 months from the date of loss to file, but every carrier is different. Waiting can complicate matters because subsequent storms or normal wear make it harder to prove which event caused the damage. We recommend contacting us within 72 hours of the storm so we can perform an inspection, secure temporary protections if necessary, and start paperwork before deadlines become an issue.
Will filing a roof damage claim raise my homeowners insurance premiums?
Claims stemming from acts of nature—such as wind or hail—generally do not raise individual premiums; instead, carriers spread risk across the region and may adjust rates for everyone in the zip code. However, multiple claims for unrelated incidents within a short period could affect your renewal options. We walk you through a cost-benefit analysis so you can decide whether the expected settlement outweighs your deductible and any potential premium adjustments.
Why should I hire a local Decatur roofing contractor who can work with insurance adjusters?
Local contractors understand Decatur’s building codes, permit requirements, and regional weather patterns, which helps in accurately identifying storm damage. We maintain relationships with area adjusters and know how each carrier prefers documentation, reducing delays. Unlike out-of-state “storm chasers,” we’re available for follow-up service, honor our workmanship warranties, and contribute to the community—important factors insurers consider when approving scope and quality of repairs.
What does the storm damage restoration process look like from inspection to final repairs?
1. Free Inspection: We assess and photograph roof damage, gutters, siding, and interior leaks. 2. Claim Filing: If damage is confirmed, we help you submit the claim and provide the insurer with our report. 3. Adjuster Meeting: Our project manager meets the adjuster on-site to ensure all storm-related issues are noted. 4. Approval & Scope: Once the carrier issues a claim summary, we review it with you, finalize material choices, and schedule production. 5. Restoration: Our licensed crew performs repairs or full replacement, usually within one to two days, while adhering to Decatur code. 6. Final Inspection & Invoice: We perform a quality check, clean the property, and send the final invoice to the insurer. You pay only your deductible unless upgrades were requested. 7. Warranty & Support: You receive manufacturer and workmanship warranties plus ongoing maintenance tips to extend roof life.