Insurance Claims
Insurance Claims | Storm Damage Restoration | Roofing | Old Fort
When high winds, hail, or driving rain tear through Old Fort, HEP’s insurance-claims roofing team is ready to turn chaos into comfort. Our certified specialists arrive fast, documenting every shingle lift and gutter dent so your insurer has undeniable proof of the loss. We negotiate directly with adjusters, translate policy jargon into plain English, and make certain you receive the full payout you deserve for comprehensive storm damage restoration.
Once approvals are locked in, the hammers fly. Using premium architectural shingles and industry-leading underlayment, we rebuild roofs to outperform the one you had before the storm. From tarping to final cleanup, you’ll have a single point of contact, transparent timelines, and workmanship backed by HEP’s iron-clad warranty—because peace of mind should be the easiest part of your recovery.
FAQs
What should I do immediately after a storm damages my roof in Old Fort?
Put safety first—stay clear of downed power lines, broken glass, and unstable structures. Once the area is safe, take clear photos or video of the damage from the ground if possible; this visual evidence is valuable during the insurance claim. Next, call our emergency response line. We can dispatch a crew to install temporary tarping or board-ups to prevent additional water intrusion, which most insurers require. Finally, notify your homeowner’s insurance carrier to start the claim; provide them with the date and time of the storm and let them know you have a licensed local contractor ready to supply a full inspection report.
How do I know if the storm damage is severe enough to file an insurance claim?
Some storm damage—like torn shingles, missing flashing, hail impacts, or hidden moisture intrusion—may not be obvious from the ground. Our HAAG-certified inspectors perform a no-cost, no-obligation assessment using drones, moisture meters, and chalk testing to document any functional or cosmetic damage. We compare our findings to your policy’s coverage language to see if repairs or replacement meet your insurer’s threshold. If we believe the damage exceeds your deductible or threatens the roof’s integrity, we will recommend filing a claim and will supply the documentation you need.
Will my homeowner’s insurance cover the cost of roof repairs or replacement in Old Fort?
Most standard HO-3 and HO-5 policies issued in North Carolina cover sudden and accidental storm events—wind, hail, fallen limbs, or lightning—subject to your deductible and policy exclusions (such as wear-and-tear or previous neglect). If the adjuster agrees that the storm directly caused the damage, the insurer typically pays Actual Cash Value (ACV) up front and the Recoverable Depreciation after the work is completed. We help ensure all code upgrades required by the NC Building Code Section 708 are included so you receive the full scope of benefits allowed by your policy.
What is your company’s process for handling insurance claims and coordinating with my adjuster?
1) Inspection & Documentation: We perform a thorough inspection, take high-resolution photos, and create a Xactimate line-item estimate. 2) Claim Filing Assistance: If you decide to file, we can be present during the initial call to the carrier to help describe the damage accurately. 3) Adjuster Meeting: We meet the insurance adjuster on-site to point out damage and answer technical questions, helping secure a fair assessment. 4) Scope Review: When the carrier issues the estimate, we compare it to our own and negotiate any missing line items (supplements) directly with the desk examiner. 5) Restoration: Upon approval, our certified crews handle all roofing, gutter, and interior repairs, maintaining daily communication. 6) Final Documentation: We submit completion photos and invoices so you receive any withheld depreciation funds promptly.
How long do I have to file a claim for roof storm damage in North Carolina?
Most homeowner policies give you up to one year from the date of loss to file, but some carriers allow two years. However, delaying can weaken your claim because additional weathering or leaks may be mistaken for neglect. In Old Fort’s humid climate, untreated moisture can lead to mold or structural rot within weeks. We recommend scheduling an inspection within 24-72 hours of any significant storm so you can decide quickly whether to initiate the claim process.
Why should I choose a local Old Fort roofing restoration specialist instead of a national chain?
A local company understands the specific weather patterns of McDowell County—frequent summer microbursts, winter ice events off the Blue Ridge escarpment, and the hail alley that tracks along I-40. We’re familiar with Old Fort’s permit office, wind zone maps, and HOA guidelines, allowing faster approvals and code-compliant work. Because we live and work here, we stand behind our workmanship warranties and can respond quickly if you ever need follow-up service—something out-of-town storm-chaser crews rarely provide. Our long-term relationships with regional adjusters also help streamline the claims process and minimize disputes.