Insurance Adjuster
Insurance Adjuster | Storm Damage Restoration | Roofing | Elora
When Elora’s skies turn fierce, HEP is the neighbor you can count on. Our insurance-certified adjuster-roofers arrive fast, capture drone and thermal imagery, and translate every shingle, dent, and drip into the exact language your carrier needs for a smooth claim. From emergency tarping to line-item estimates, we shoulder the paperwork while you stay safe and dry.
Once the claim is green-lit, we pivot to hands-on storm damage restoration, replacing compromised decking, flashing, and shingles with lifetime-warranty materials that match your home’s character. Expect tidy worksites, flexible scheduling, and a local crew that answers the phone by name—because at HEP, restoring your roof also means restoring your peace of mind before the next cloud rolls in.
FAQs
How do I know if my Elora roof has storm damage that qualifies for an insurance claim?
After a severe wind or hail event, look for missing, lifted, or creased shingles, dents in metal vents or eavestroughs, granule loss that exposes black asphalt, water spots on interior ceilings, and debris on the ground that matches your roofing material. Because some damage is hard to spot from the ground, it’s best to schedule a professional inspection. Our certified storm-damage specialists can safely document issues with photos and written reports that meet insurance requirements.
What is the role of an insurance adjuster in the roof-replacement process?
An insurance adjuster is the person your insurer sends to verify the cause, extent, and estimated cost of storm damage. They inspect the roof, review your policy coverage, and determine the settlement amount. We work directly with adjusters—providing inspection notes, measurements, and itemized estimates—to ensure they have accurate information, which helps you receive a fair payout and prevents overlooked repairs.
Should I call my insurance company or a roofing contractor first after a storm?
Contacting a reputable roofing contractor first is often advantageous. We can perform a free no-obligation inspection, confirm whether the damage is claim-worthy, and supply detailed evidence before you open a claim. Submitting a claim that is later denied can affect your policy record, so having documentation ready increases your chance of approval and speeds up the adjuster’s visit.
How long do I have to file a storm-damage claim in Ontario?
Most homeowner policies sold in Ontario, including those in Elora, require claims to be filed within 6–12 months of the loss date, but some insurers set shorter deadlines (as little as 30–90 days). Prompt reporting is crucial because secondary water intrusion can worsen damage and may not be covered if you delay. Always check your policy wording or call your insurer for the exact timeframe, and let us know if you need expedited inspection support.
Will my insurance cover the full cost of roof repairs or replacement?
Coverage depends on your policy type (Actual Cash Value vs. Replacement Cost), deductible, and any exclusions for cosmetic damage. Replacement Cost policies generally pay to restore the roof to pre-loss condition, minus your deductible. Actual Cash Value policies subtract depreciation, leaving you to pay the difference. We provide a line-by-line estimate that matches insurer pricing software, helping you maximize recoverable depreciation and limit out-of-pocket expenses.
What can I do to make the claims process faster and smoother?
1) Document everything immediately—take photos and note the date and time of the storm. 2) Arrange a professional inspection and keep copies of the report. 3) Review your policy so you understand deductibles and coverage limits. 4) Mitigate further damage by covering leaks with tarps; insurers require this. 5) Choose one qualified contractor to communicate with the adjuster; multiple bids can slow approval. 6) Keep all correspondence and receipts in one file; these may be reimbursable. Following these steps helps close most Elora roof claims in 2–4 weeks instead of months.