Insurance Claims
Insurance Claims | Roof Replacement | Roofing | Decatur
When hail, high winds, or age leave your Decatur home vulnerable, HEP’s insurance claims roofing team steps in to handle every detail—from filing paperwork to meeting the adjuster—so you don’t have to. We turn a typically stressful process into a smooth experience, documenting damage with precision and advocating for the coverage you deserve, all while keeping you updated in real time.
Once your claim is approved, our certified crews mobilize quickly for a flawless roof replacement that restores both curb appeal and peace of mind. We install premium shingles rated for the North Alabama climate, back our workmanship with robust warranties, and leave every yard spotless when we’re done. Ready to start? Contact HEP today and let Decatur’s most trusted roofing pros protect what matters most—your home.
FAQs
How do I know if my roof damage in Decatur qualifies for an insurance claim?
Visible signs such as missing shingles, lifted flashing, hail bruising, granule loss, leaks, or water stains after a severe storm usually indicate claim-worthy damage. Because some damage is subtle, we offer free inspections with photo documentation. Our Decatur-based inspector compares the findings to your policy’s “covered peril” language, local wind-speed and hail reports, and Georgia building code to confirm whether a claim is justified before you contact your carrier.
What is the step-by-step process for filing and completing a roof replacement insurance claim?
1) Inspection & documentation – We photograph and measure all damage. 2) Claim filing – You or we (with you on the call) notify your insurer and open a claim. 3) Adjuster meeting – We meet the adjuster on-site to show the damage and provide our scope of work. 4) Insurance estimate – Your carrier issues an Xactimate estimate and initial ACV (Actual Cash Value) payment minus your deductible. 5) Material selection & scheduling – Once you sign our contract for the insurance price, we help you pick shingles that meet Decatur’s HOA and code requirements. 6) Roof replacement – Our licensed crew installs the new roof, typically in one day, pulling any required City of Decatur permits. 7) Supplement & final invoice – We submit any code-required supplements; the insurer releases depreciation and any approved supplements. 8) Warranty & cleanup – You receive a workmanship warranty, manufacturer warranty registration, and a final walkthrough.
How long after a storm do I have to file a roof claim in Decatur?
Most Georgia homeowners’ policies allow 12–24 months from the date of loss, but some carriers require notice “promptly” or within 180 days. Waiting can cause coverage disputes or additional damage the insurer may not cover. We recommend scheduling an inspection within 7–10 days of any major hail or wind event and filing the claim within 30 days if damage exists.
Will filing an insurance claim for a roof replacement raise my premiums?
In Georgia, rate increases are usually tied to regional storm activity rather than individual claims for “acts of God.” If your entire neighborhood experienced wind or hail, premiums may rise for everyone whether you file or not. Surcharge risk is higher for non-weather claims (e.g., fire). Always ask your agent, but most Decatur homeowners see no individual penalty for a legitimate storm-damage roof claim.
Do I need multiple estimates, or can I work with one contractor?
Insurance carriers use standardized Xactimate pricing, so competing estimates rarely change your out-of-pocket cost (only your deductible). Georgia law lets you choose any licensed contractor. Selecting one experienced, local roofer to coordinate with the adjuster avoids scope conflicts, speeds approval, and ensures code-compliant materials like drip edge, ice-&-water shield in valleys, and proper ventilation per the 2023 Georgia Residential Code adopted by Decatur.
How long will the roof replacement take once insurance approves the work?
Material availability, weather, and crew scheduling affect timelines, but for a typical single-family home in Decatur we can start within 1–2 weeks of approval. Tear-off and installation usually finish in a single day; large or complex roofs may take two. Final insurance paperwork and depreciation release can add 1–3 weeks after completion, but your new roof will be watertight immediately and comes with a transferable 30-year manufacturer warranty and our 10-year workmanship guarantee.