Insurance Adjusters
Insurance Adjusters | Storm Damage Restoration | Roofing | Kingston
When Kingston’s skies turn menacing and hail, wind, or driving rain leaves your roof battered, HEP’s insurance adjusters roofing team moves fast to keep you protected. Our licensed adjusters and craftsmen arrive together, documenting every shingle bruise and flashing tear so your claim is airtight from the start. We speak the language of insurers, translating policy jargon into real-world solutions that return your home or business to pre-storm condition without hidden costs or endless phone calls.
From emergency tarping and debris removal to full-scale storm damage restoration, we blend rapid response with meticulous workmanship that’s backed by lifetime labor warranties. Locally owned and rooted in Kingston for over a decade, HEP pairs small-town service with big-league resources—think on-site drone inspections, thermal imaging, and a dedicated project manager who’s always one text away. Let us shoulder the paperwork, climb the ladders, and rebuild your peace of mind while you focus on what matters most.
FAQs
How soon after a storm should I contact an insurance-approved roofing adjuster in Kingston?
Call as quickly as possible—ideally within 24–48 hours of the storm. Early contact lets us document fresh evidence before it degrades, install emergency tarps to stop active leaks, and open an insurance claim while backlogs are still short. Prompt action protects your home from further damage and speeds up the reimbursement timeline.
What should I do before the adjuster arrives to inspect my storm-damaged roof?
1) Take clear photos and video of shingles on the ground, dents in metal, interior ceiling stains, and any fallen tree limbs. 2) Make only temporary, non-invasive repairs such as placing tarps or buckets to control leaks—keep receipts for reimbursement. 3) Compile a brief written description of when the storm hit and what you observed. Avoid climbing on the roof yourself; leave the detailed inspection to our certified team and the carrier’s adjuster.
How does the roof storm-damage restoration process work from start to finish?
Step 1: Free on-site inspection by our HAAG-certified specialists to confirm hail, wind, or impact damage. Step 2: We help you file the claim and meet the insurance adjuster on-site to agree on the scope of loss. Step 3: You receive the carrier’s estimate and first payment (ACV). Step 4: We finalize material choices, pull Kingston permits, and schedule the build. Step 5: Our crew completes most roof replacements in one day, followed by a thorough clean-up and quality check. Step 6: We send final documentation to the insurer so you receive any remaining depreciation payment. Step 7: You receive your warranty package and enjoy a fully restored, code-compliant roof.
Will my homeowner’s policy cover a full roof replacement after hail or high wind in Kingston?
Most standard Kingston homeowner policies cover “sudden and accidental” storm events, but the payout depends on policy type. Replacement Cost Value (RCV) policies pay what it costs to install a new, like-kind roof minus your deductible. Actual Cash Value (ACV) policies subtract depreciation, so you may pay more out-of-pocket. Code-upgrade endorsements and cosmetic-damage exclusions also affect coverage. We review your policy with you, explain deductibles, and advocate for the highest allowable settlement.
How long does it take to settle a roof storm-damage claim and finish repairs in Kingston?
A straightforward claim typically follows this timeline: Inspection within 1–2 days; adjuster meeting in 3–7 days; carrier approval in 7–14 days; material ordering and permit issuance in 3–5 days; roof replacement in 1–2 days; final carrier payment in 5–10 days. Altogether, most homeowners are watertight with a new roof in 2–6 weeks. Complex claims involving structural issues, code upgrades, or supplemental items can extend the schedule, but we update you at every step.
Why choose your company to handle both insurance adjusting assistance and storm-damage roofing in Kingston?
We are a local Kingston contractor with licensed, insured crews and HAAG-certified inspectors who specialize in storm diagnostics. Because we work with insurers daily, we know carrier guidelines, paperwork requirements, and prevailing pricing, which helps prevent underpayment. Our turnkey service—inspection, claim guidance, restoration, and warranty—reduces stress and ensures workmanship meets Ontario Building Code standards. With hundreds of successful Kingston claims, A+ BBB rating, and industry-leading warranties, we deliver peace of mind from the first call through final inspection.