Insurance Adjusters
Insurance Adjusters | Storm Damage Restoration | Roofing | Calhoun
When sudden winds and hail leave your Calhoun roof battered, HEP’s Insurance Adjusters Roofing steps in with fast, transparent service that makes the chaos feel manageable. Our licensed adjusters meet your insurer on-site, document every shingle and flashing issue, and translate policy jargon into plain language so you understand exactly what’s covered. From temporary tarping to the final nail, we coordinate each phase of storm damage restoration with one goal: getting your home watertight again while protecting your premium and your peace of mind.
Calhoun homeowners trust us because we pair hometown courtesy with big-storm expertise. You’ll receive daily progress updates, clear timelines, and meticulous clean-up, backed by craftsmanship warranties that outlast the next storm season. Let us handle the paperwork, the ladders, and the logistics—so you can get back to living under a roof that’s stronger than the one the storm tried to steal.
FAQs
What should I do immediately after a storm hits my home in Calhoun?
First, make sure everyone is safe and avoid any downed power lines or unstable structures. If the roof is leaking or missing shingles, place buckets or tarps inside to protect belongings. Then call our local emergency line—our adjusters provide free, same-day inspections in Calhoun and can install temporary tarping to prevent additional damage. Document the damage with photos or videos, but leave detailed climbing and inspection to our certified team to avoid injury.
How does the insurance claims process work for roof storm damage in Calhoun?
1. Inspection: We perform a no-cost, on-site assessment to determine whether the damage meets insurance guidelines. 2. Documentation: Our adjusters prepare a detailed report, photographs, and an industry-standard Xactimate estimate. 3. Filing: We help you submit the claim to your insurer and schedule a meeting with their field adjuster. 4. Negotiation: We meet the carrier’s adjuster on the roof, compare findings, and advocate for full, code-compliant replacement or repairs. 5. Approval & Funding: Once the claim is approved, your insurer issues payment (minus deductible). We review the scope before work begins. 6. Restoration: Our roofing crews complete the work, and we send final documentation to the insurer for any supplemental payment that may be due.
What types of storm damage are most common to roofs in Calhoun, and how do your adjusters identify them?
Calhoun sees frequent hailstorms, straight-line winds, and the occasional tornado spin-up. Hail leaves circular impact marks, bruises, or granule loss on shingles; wind lifts or creases shingle tabs and can break seals near the edges and ridges. Our HAAG-certified inspectors use chalk, drones, and moisture meters to find hidden leaks in decking and underlayment. We also check gutters, flashing, and attic ventilation to be sure all storm-related damage is included in the insurance scope.
Will filing a claim for roof storm damage raise my insurance premiums?
Most carriers treat storm or "Act of God" claims differently from at-fault claims such as water leaks caused by poor maintenance. In Georgia, a single weather-related claim usually will not trigger an individual rate hike, though company-wide premium adjustments can occur after large catastrophes. Always weigh your deductible and the scope of damage before filing. We provide honest assessments so you can decide whether a claim is in your best interest.
How long does a roof inspection and replacement take in the Calhoun area?
• Inspection & claim filing: 1–2 days. • Insurance approval: 7–14 days on average, depending on carrier responsiveness. • Material delivery & build: Once funds are released, most asphalt shingle roofs (up to 40 squares) are completed in 1 day; larger or specialty systems may take 2–3 days. We schedule around weather and always pull the required Gordon County permits. Your project manager remains on site to ensure quality and daily cleanup.
Do you offer workmanship warranties and help with code upgrades required by Calhoun or Gordon County?
Yes. All full roof replacements come with a 5-year transferable workmanship warranty in addition to the manufacturer’s material warranty (up to 50 years on select shingles). If your policy includes Ordinance & Law coverage, we document and negotiate for code upgrades such as drip edge, ice-water shield in valleys, and enhanced nailing patterns now required by current Georgia Residential Code. Even if O&L is not included, we still build to code for your safety and long-term peace of mind.