Insurance Adjuster
Insurance Adjuster | Storm Damage Restoration | Roofing | Birchwood
When high winds, pounding hail, and driving rain tear through Birchwood, HEP’s certified roofing and insurance-adjuster team moves fast to safeguard your home. We start with a free, no-obligation inspection, documenting every shingle bruise and flashing crease so your claim is rock-solid before it ever reaches the carrier’s desk. From there, our specialists meet onsite with the adjuster, negotiate on your behalf, and make sure the settlement fully covers materials, code upgrades, and labor—saving you hours of paperwork and countless headaches.
Once approval is in hand, our crew pivots to precise storm damage restoration, installing top-tier Owens Corning shingles, leak-proof underlayment, and upgraded ventilation that outperforms what the storm took away. Most roofs are dried-in the same day, and we leave your yard spotless, right down to the last nail. Need peace of mind now? Call, text, or schedule online and let HEP restore your roof—and your routine—without missing a beat.
FAQs
What should I do immediately after a storm damages my roof in Birchwood?
First, make sure everyone in the home is safe and stay clear of any downed power lines or structural hazards. Then take clear photos or video of all visible roof damage (shingles on the ground, missing flashing, damp ceilings, etc.). Temporary measures such as tarping can prevent further water intrusion, but avoid permanent repairs until an insurance adjuster has documented the loss. Finally, contact us within 24 hours so we can schedule a rapid on-site inspection and start the claim process on your behalf.
How does the insurance claim process for storm-damaged roofs work?
1) Initial call: You notify your carrier and receive a claim number. 2) Inspection: We meet the carrier’s adjuster at your Birchwood property, provide measurements, photos, and a written scope of loss. 3) Estimate review: The insurer issues an estimate based on replacement-cost value; we reconcile any missed items using Xactimate pricing. 4) Approval & contract: Once the claim is approved, you sign a repair agreement for the amount the insurer pays plus your deductible. 5) Restoration: Our crews restore your roof to code. 6) Final invoicing: We send completion photos and paperwork so the carrier releases the remaining depreciation payment.
What documents and evidence will the insurance adjuster need?
Typical documentation includes date and time of the storm event, photos/videos of roof and interior damage, a copy of your homeowners policy, prior maintenance records, receipts for emergency tarping, and any meteorological reports (hail size, wind speeds). Our team assembles this packet for you, ensuring the adjuster has everything necessary to validate the loss and reduce back-and-forth delays.
Does my homeowners insurance cover full roof replacement or only repairs?
Most Birchwood policies provide Replacement Cost Value (RCV) coverage for wind and hail, meaning the carrier pays for a full roof replacement if damage exceeds a certain threshold (usually 25-30 % of the roof surface). Actual Cash Value (ACV) policies, by contrast, subtract depreciation. We examine your policy, document damage, and advocate for the highest payout permitted. Interior water damage, gutters, vents, and code upgrades (ice-and-water shield, drip edge) are often covered but must be listed explicitly in the adjuster’s estimate.
How long does the inspection and restoration process typically take in Birchwood?
Weather permitting, we can perform an on-site inspection within 24-48 hours of your call. Carrier approval may take 1–2 weeks, depending on claim volume after a widespread storm. Once approved, standard asphalt-shingle roof replacement takes 1–2 days, while specialty materials (metal or tile) may require 4–7 days due to ordering lead times. Our average claim—from first contact to final carrier payment—closes in 30–45 days, but we expedite emergency dry-in work immediately to protect your home.
Why choose a local Birchwood storm-restoration contractor with insurance-adjuster expertise?
Local contractors understand Birchwood’s building codes, permit requirements, and severe-weather patterns. Because we’re licensed adjusters as well as roofers, we speak the insurer’s language, use the same estimating software, and know how to prove legitimate storm damage. That reduces disputes, speeds approvals, and often increases the payout. Plus, our office is minutes away if you need follow-up service, warranty support, or help with future claims.