Insurance Claim Partner
Insurance Claim Partner | Roofing Done Right | Roofing | Charleston
When Lowcountry weather leaves your roof battered, HEP’s Insurance Claim Partner Roofing steps in as your advocate and craftsman in one. Our Charleston-based specialists pair decades of claims expertise with meticulous shingle, metal, and flat-roof installation, making sure every inspection is thorough and every adjuster gets the full story. From the first photo documentation to the final walk-through, we streamline paperwork, negotiate fair settlements, and keep you informed at every turn.
Homeowners and property managers trust us because we don’t just patch problems—we believe in roofing done right. Expect premium materials engineered for coastal conditions, crews that respect your property as if it were their own, and warranties sturdy enough to weather any Lowcountry storm. When peace of mind matters, choose the Charleston team that delivers uncompromising quality, speed, and genuine Southern courtesy on every roof.
FAQs
How does the insurance claim process work for roof damage in Charleston?
After a storm or other covered peril, contact us first for a free, no-obligation inspection. We document all visible and hidden damage with photos, measurements, and written notes that match insurers’ guidelines. Next, you open a claim with your carrier and receive a claim number. We meet the adjuster on-site, review our findings together, and advocate for all legitimate repairs or replacement costs. Once the claim is approved, we review the insurer’s estimate with you, finalize material choices, schedule the build, and complete the work to code. Finally, we submit completion paperwork to the carrier so you receive any remaining depreciation or supplemental payments.
What roof damages are typically covered by homeowners insurance?
Most standard policies in South Carolina cover sudden, accidental events such as wind uplift, hail impact, fallen limbs, and fire. They do not cover age-related wear, poor maintenance, or manufacturing defects. During our inspection we distinguish between storm-related damage (covered) and pre-existing issues (not covered) and clearly separate those items in our report so your claim focuses on what the policy promises to pay for.
Why choose a local Charleston roofing contractor to handle my insurance claim?
Charleston’s coastal codes, salt-air exposure, and hurricane-related wind requirements are unique. A local contractor understands municipal permitting, Horry & Charleston County wind-borne debris rules, and Lowcountry HOA guidelines. We maintain long-standing relationships with regional adjusters, which helps speed approvals, and we’re close by if you ever need warranty support. Out-of-state “storm chasers” can’t match that accountability.
How soon after a storm can you inspect my roof?
We keep emergency response crews on standby during hurricane and hail season. In most cases we can be on your property within 24 hours of your call, even on weekends. Quick inspections help you meet policy deadlines (many carriers require notice of loss within 14–30 days) and prevent small leaks from turning into interior water damage.
Will filing a roof insurance claim raise my premiums?
For named-storm or catastrophic events that affect many policyholders, carriers generally spread the risk across their entire book and do not single out individual owners for rate hikes. Premium increases are more likely after multiple non-weather-related claims. Your agent can confirm how a claim might affect your specific policy, but most Charleston homeowners who submit one legitimate storm claim see no surcharge.
What materials and warranties do you offer for insurance-funded roof replacements?
Because the insurer pays to restore your roof to pre-loss condition, we start by matching the existing shingle or metal profile. You may upgrade to architectural shingles, synthetic shake, or standing-seam metal by paying the difference in material cost. All replacements receive manufacturer warranties (up to 50-year limited lifetime on shingles, 40-year on metal) and our own 10-year workmanship guarantee, registered in your name and fully transferable if you sell your home.