Insurance Claim
Insurance Claim | Storm Damage Restoration | Roofing | Oakdale
When wild Tennessee weather strikes Oakdale, HEP’s seasoned roofing team is ready to step in with fast, dependable storm damage restoration. From the first free inspection to the last shingle nailed in place, we work hand-in-hand with your insurance carrier to document losses, streamline paperwork, and secure the full coverage you deserve. Our certified crews understand local building codes, deploy premium materials, and follow a strict clean-up protocol so your property looks better than it did before the storm.
Choosing HEP means choosing a neighbor who genuinely cares. We answer calls 24/7, arrive on-site promptly, and maintain clear communication while your roof, gutters, and siding are expertly repaired or replaced. Let us shoulder the stress so you can focus on what matters—your family and your home. Contact HEP today and reclaim peace of mind with Oakdale’s most trusted insurance claim roofing specialists.
FAQs
How do I know if my roof has storm damage after a wind or hail event in Oakdale?
Storm damage is not always obvious from the ground. Look for missing shingles, dented gutters or downspouts, granule accumulation in your gutters, water stains on ceilings, or pieces of roofing on the lawn. Because many signs require a trained eye, we provide free, no-obligation inspections in Oakdale. Our Haag-certified inspectors document damage with photos and video so you have clear evidence for your insurance carrier.
What steps should I take immediately after discovering storm damage to my roof?
1) Put safety first—stay off the roof and avoid downed power lines. 2) Take temporary measures to prevent further damage, such as tarping exposed areas; we offer 24/7 emergency drying and tarping services. 3) Photograph visible damage inside and outside. 4) Call your insurance company to initiate a claim and obtain a claim number. 5) Contact our team so we can meet the adjuster on-site, provide a damage report, and ensure all affected items are included in the scope of work.
Will my homeowners insurance cover the cost of roof repairs or replacement?
Most Oakdale homeowners policies cover sudden, accidental damage caused by wind, hail, or falling debris, subject to your deductible and policy limits. Cosmetic damage or wear-and-tear is usually excluded. We review your policy with you, explain Actual Cash Value (ACV) versus Replacement Cost Value (RCV) coverage, and help confirm whether code upgrades (like ice-and-water shield) are reimbursable under Minnesota Statute §65A.10.
How does Oakdale Roofing & Restoration assist with the insurance claim process?
We act as your advocate from start to finish. Our services include: (1) free inspection and damage documentation; (2) filing the claim or supplement paperwork on your behalf; (3) meeting the adjuster to ensure nothing is missed; (4) using Xactimate estimating software— the same program most insurers use—so pricing aligns with carrier guidelines; (5) negotiating supplements for hidden damage or code upgrades; and (6) coordinating final invoicing and completion photos so your recoverable depreciation is released quickly.
How long do I have to file an insurance claim for storm damage in Oakdale, MN?
Most carriers give you 12–24 months from the date of loss, but Minnesota law allows at least 6 months for homeowners to pursue mediation or appraisal if there is a dispute. Because hail claims spike after major storms in Washington County, filing quickly helps you secure an adjuster appointment and prevents denial for "late reporting." We recommend initiating a claim within 30 days of the event to keep the process smooth and avoid further deterioration that could jeopardize coverage.
What happens if my insurance company’s initial estimate is lower than the contractor’s quote?
Discrepancies are common because adjusters write an initial scope that may overlook code items, manufacturer-required components, or hidden decking damage. We compare line-by-line and submit a supplemental estimate with supporting photos, code citations, and material invoices. Minnesota’s "Right to Appraisal" clause also lets you request an impartial appraisal if a resolution can’t be reached. Over 90% of our Oakdale clients receive additional funds after we supplement the claim—often covering the full cost of a code-compliant roof replacement minus your deductible.