Insurance Claim
Insurance Claim | Storm Damage Restoration | Roofing | Pelham
When thunderous Alabama skies leave shingles scattered across your lawn, HEP is the local team Pelham trusts for fast, stress-free storm damage restoration. Our certified roofers arrive promptly, documenting every dent and missing tab, then work directly with your insurance carrier to secure the coverage you deserve. From temporary tarping to full-roof replacement, we handle every detail so you can focus on getting life back to normal.
Because we live and work in Pelham, we understand the unique challenges of Gulf-state weather and the urgency of restoring a watertight roof before the next downpour. Count on transparent estimates, premium materials, and craftsmanship that stands up to future storms—all backed by responsive communication from your first call to final inspection. Let HEP be your advocate and your craftsman; schedule your free inspection today and see why neighbors recommend us when storm clouds clear.
FAQs
How do I know if my storm-damaged roof qualifies for an insurance claim in Pelham?
Most homeowner policies in Pelham cover sudden and accidental storm damage caused by wind, hail, falling limbs, or heavy rain. If you see missing shingles, granule loss, leaks, ceiling stains, or debris impact marks, your roof likely qualifies. A licensed roofing contractor can perform a free inspection, document damage with photos, and confirm whether the severity meets insurers’ guidelines before you file a claim.
What steps should I follow to file a roof insurance claim after a storm?
1) Schedule a professional inspection to verify damage. 2) Review your policy for coverage limits, deductibles, and filing deadlines (usually within 30–60 days). 3) Call your carrier’s claims hotline and open a claim. 4) Provide the inspection report, photos, and an itemized estimate from a certified Pelham roofer. 5) Meet the adjuster on-site so your contractor can point out all damage. 6) Receive the carrier’s scope of work and initial payment (ACV). 7) Authorize your roofer to start repairs or replacement, then submit final invoices to collect the depreciation (RCV).
Will my insurance premium increase if I file a storm-damage roof claim?
Storm events are considered “acts of nature,” so carriers usually raise rates across entire ZIP codes, not because an individual filed a claim. Your personal premium may go up after a widespread storm whether or not you file. Therefore, it generally makes financial sense to file a legitimate claim to restore your roof rather than pay out of pocket.
How long does the roof restoration process take in Pelham once the claim is approved?
Time frames depend on material availability and weather, but most shingle roof replacements take 1–2 days of on-site work. From claim filing to final completion, expect about 2–4 weeks: 3–7 days for the adjuster visit, another week for carrier approval and first check, and a few days to schedule labor and material delivery. Complex roofs or special-order materials may extend the timeline.
What if my roof is leaking right now—should I wait for the insurance adjuster?
No. Your policy requires you to mitigate further damage. Call a reputable roofer for emergency tarping or temporary repairs immediately after the storm. Keep all receipts; insurers reimburse reasonable mitigation costs. Failing to secure the roof could lead to additional interior damage that your carrier might decline to cover.
How much will I have to pay out of pocket for storm-damage roof replacement?
You are responsible only for your policy deductible and any non-covered upgrades. For example, if your deductible is $1,000 and the replacement cost is $15,000, insurance pays roughly $14,000. If you choose premium shingles, ventilation upgrades, or code enhancements beyond what your policy covers, you would pay the difference. Reputable Pelham roofers can explain options and help keep your portion minimal.