Insurance Claim Assistance
Insurance Claim Assistance | Storm Damage Restoration | Roofing | Dayton
When Ohio’s unpredictable weather tears through Dayton, the last thing you need is a maze of paperwork keeping you from a safe, watertight roof. HEP’s dedicated team steps in the moment the skies clear, offering meticulous inspections, photo-documented evidence, and direct communication with your insurance adjuster—so you can focus on your family while we shoulder the claim. From shingles ripped away by 70-mph gusts to hidden leaks triggered by hail, our certified crews deliver prompt, code-compliant storm damage restoration that returns your home to pre-loss condition without surprises or delays.
As a locally owned company, we stand behind every nail with industry-leading warranties and transparent updates at every milestone. Whether you need emergency tarping tonight or a full roof replacement next week, HEP blends advocacy and craftsmanship to maximize your settlement and minimize downtime. Reach out today, and discover why Dayton homeowners trust us to turn post-storm chaos into lasting peace of mind.
FAQs
How do I know if my storm-damaged roof qualifies for an insurance claim in Dayton?
Most homeowner and commercial property policies in Ohio cover sudden, weather-related damage such as hail impacts, high-wind shingle loss, fallen limbs, or wind-driven rain infiltration. The first step is a professional inspection that documents shingle bruising, granule loss, lifted or missing shingles, cracked flashing, and interior leaks. Our Haag-certified inspectors provide a photo report that matches the criteria insurers use so you can submit proof that the damage is “sudden and accidental”—the key language most carriers require for approval.
What is the step-by-step process for filing a roof storm-damage claim?
1) Call us for a free same-day inspection. 2) We document the damage with photos, video, and a written scope of loss. 3) Contact your insurance carrier’s claim center to open a claim; we can help you make the call. 4) An adjuster visit is scheduled—our project manager meets them on-site to ensure all damage is noted. 5) The carrier issues an estimate and, if approved, an initial ACV (Actual Cash Value) payment. 6) We finalize material choices, pull Dayton building permits, and schedule the roof replacement or repairs. 7) After work is complete, we send final invoices and photos to the carrier; you receive the depreciation and any supplemental funds owed. 8) You pay only your deductible and any elected upgrades.
Will you work directly with my insurance adjuster?
Yes. We handle all communications, from the initial inspection through final invoicing. Meeting the adjuster on the roof ensures that hidden items—underlayment damage, flashing, gutters, vents, and code upgrades required by the City of Dayton—are included in the claim. This minimizes add-on costs later and speeds approval.
How long does the entire restoration and claim process typically take in the Dayton area?
Timing varies with weather and carrier workload, but a standard timeline is: • Inspection & claim filing: 1–2 days • Adjuster meeting to approval: 7–14 days • Material ordering & permit issuance: 3–5 days • Roof replacement: 1–2 days for most residential homes, 3–5 for larger or commercial roofs • Final claim reconciliation & depreciation release: 7–10 days after completion Overall, most clients see a fully restored roof and closed claim within 3–5 weeks.
What out-of-pocket costs should I expect?
Under Ohio law and most insurance policies, you are responsible only for your policy deductible unless you choose upgrades (e.g., Class 4 impact-resistant shingles, synthetic underlayment, or ventilation enhancements). We provide transparent pricing and can show you standard versus upgrade costs before work begins. Financing options are available for deductibles or elective improvements.
Do you offer materials and workmanship warranties on storm-damage restorations?
Absolutely. We are GAF Master Elite and Owens Corning Preferred contractors, so you can receive manufacturer warranties of 25–50 years on shingles and accessories. In addition, we include a 10-year transferable workmanship warranty covering installation defects. These warranties are independent of your insurance coverage and give you long-term protection once the claim is closed.