Insurance Providers
Insurance Providers | Roof Repair | Roofing | Dayton
When hail, high winds, or sudden leaks put your home at risk, HEP’s Insurance Providers Roofing is the Dayton team homeowners and adjusters trust for prompt, professional roof repair. Our certified crews arrive fast, document every shingle and seam, and back their workmanship with industry-leading warranties—so you can stop worrying about water spots and start planning your next backyard barbecue. From asphalt to metal, we use only premium, impact-rated materials that match or exceed your original roof, restoring both curb appeal and peace of mind.
We also speak the language of insurance. HEP’s specialists meet on-site with your adjuster, provide transparent estimates, and handle the paperwork that keeps your claim moving. That means no surprise costs and no missed deadlines—just a clear path from inspection to final sign-off, all managed by local professionals who know Dayton’s codes, climate, and community. Reach out today and discover how easy protecting your biggest investment can be.
FAQs
How do I know if my storm-damaged roof will be covered by insurance?
Most homeowner policies in Dayton cover sudden, accidental damage caused by wind, hail, fallen trees, or other weather-related events. Normal wear, neglect, or age-related deterioration is usually excluded. The surest way to find out is to 1) review the “Dwelling” and “Perils Insured Against” sections of your policy, and 2) have a qualified roofer document the damage with photos and a written inspection report. If the damage can be traced to a recent storm and exceeds your deductible, there is a strong chance it will be covered.
What steps are involved in filing a roof repair claim with my insurance company?
1. Call a licensed local roofer for a free storm-damage inspection. 2. If damage is confirmed, contact your insurance carrier’s claims line and open a claim. 3. Schedule the insurance adjuster’s visit; ask your roofer to be present to ensure all damage is noted. 4. Receive the adjuster’s estimate or Proof of Loss statement. 5. Review the scope of work with your roofer to be sure nothing is missed. 6. Sign the repair contract; your roofer begins work after the first insurance check and deductible are paid. 7. When repairs are complete, your roofer sends final invoices/photos so the insurer can release any remaining depreciation funds.
Will you work directly with my insurance adjuster during the repair process?
Yes. Our Dayton roofing team coordinates appointments, meets the adjuster on-site, discusses code requirements, and provides supplemental documentation if additional hidden damage is discovered. This collaboration helps ensure the scope of loss is accurate and that you receive all funds you are entitled to under the policy.
How much will I have to pay out of pocket for roof repairs after insurance?
In most cases you are responsible only for your policy’s deductible plus any elective upgrades (for example, choosing an impact-resistant shingle when the adjuster paid for a standard shingle). All other covered costs—including materials, labor, permit fees, and required code upgrades—are paid by the insurance company up to the settlement amount.
How long does the insurance roof repair process usually take in Dayton?
Time frames vary by carrier and storm severity, but typical milestones are: • Inspection & claim filing: 1–3 days • Adjuster appointment: 3–10 days • Claim approval & first check: 7–14 days after inspection • Roof scheduling & construction: 1–2 days for most homes once materials arrive • Final paperwork & depreciation release: 1–3 weeks after completion. Most homeowners have a fully restored roof within 3–6 weeks from the initial call, barring weather delays or supply shortages.
Can you match my existing shingles or upgrade materials when working with insurance?
If an exact color or brand match is still manufactured, we will source it so repairs blend seamlessly. If the shingle line has been discontinued, Ohio’s matching statute (OAC 3901-1-54) allows us to request full-roof replacement for a uniform appearance. You may also elect to pay the difference to upgrade to architectural, impact-resistant, or energy-efficient shingles; the insurer pays what it would have cost to restore with like-kind materials, and you cover only the upgrade differential.