Insurance Claim
Insurance Claim | Storm Damage Restoration | Roofing | Lake City
When fierce Lake City weather leaves shingles scattered and ceilings dripping, HEP’s crew arrives with skill, speed, and a proven plan for storm damage restoration. Our licensed roofers document every crack, dent, and missing shingle, then work hand-in-hand with your insurance adjuster so you don’t have to juggle phone calls or paperwork. From emergency tarping to full roof replacement, we turn the chaos of hail and high winds into a streamlined path back to safety—often with little or no out-of-pocket cost for you.
You stay informed at every step, watching real-time progress photos while our team meets code requirements, secures permits, and fights for the coverage you deserve. HEP’s commitment to honesty and craftsmanship means no surprise fees, just a roof built to withstand the next Lake City squall. Trust the local experts who treat your home like their own, restore its value, and let you breathe easy when the thunder rolls again.
FAQs
How do I start an insurance claim for storm-related roof damage in Lake City?
Begin by contacting your insurance company as soon as you notice damage. Ask to open a claim and request a claim number. Then call our Lake City storm-damage team for a free inspection. We’ll document all damage with photos, measurements, and a written report that you can submit to your adjuster. Acting quickly protects you from additional damage and helps keep your claim within the filing window required by most policies (often 14 – 30 days after a storm in Florida).
Will you meet with my insurance adjuster?
Yes. Coordinating directly with the adjuster is a standard part of our service. One of our certified roof inspectors will be on-site during the adjuster’s visit to make sure every damaged component—shingles, underlayment, flashing, gutters, vents, and interior water spots—is noted. Our presence helps ensure the adjuster’s report accurately reflects the scope of repairs needed, often resulting in a more complete settlement for you.
What happens if my roof is still leaking after the storm?
Call us immediately for emergency mitigation. We offer 24/7 tarping and temporary repairs in Lake City to stop active leaks and prevent further interior damage. Most insurance policies cover reasonable emergency measures, so keep all receipts. After temporary protection is in place, we’ll perform a full assessment and provide a detailed estimate for permanent restoration or replacement.
How long does the insurance claim roofing process usually take?
Timelines vary by carrier and storm severity, but a typical claim in the Lake City area moves through these phases: 1. Inspection & claim filing: 1–3 days 2. Adjuster meeting & approval: 5–14 days 3. Supplement approval (if extra items are found): 3–10 days 4. Roof material ordering & scheduling: 3–7 days 5. Roof replacement/repairs: 1–2 days for most homes Altogether, most of our clients see their roof fully restored within 3–6 weeks after the storm, weather permitting.
Can you help if my insurance carrier underpays or denies the claim?
Absolutely. After reviewing the insurer’s estimate, we’ll compare it to our own damage report. If items are missing or pricing is low, we prepare a supplemental claim with additional documentation—photos, line-item estimates, code upgrade requirements, and manufacturer specs. Although we are not public adjusters or attorneys, our detailed supplements often lead carriers to issue additional funds. If a denial occurs, we can refer you to reputable Lake City public adjusters or legal counsel experienced in storm-damage claims.
Do I have to pay anything out-of-pocket for my new roof?
In most cases you are only responsible for your policy deductible and any optional upgrades you choose (for example, higher-end shingles or added ventilation). The insurance company typically covers all other approved repair or replacement costs, including code-required upgrades such as secondary water barriers mandated by the Florida Building Code. We provide transparent, written contracts so you know exactly what, if anything, you will pay before work begins.