Insurance Claim
Insurance Claim | Storm Damage Restoration | Roofing | Englewood
When hail or high winds pound Englewood, HEP moves fast to shield your home from further harm. Our certified roofing experts arrive promptly for a no-cost inspection, documenting every dent, tear, and missing shingle so you have airtight evidence for your insurance company. We speak the adjuster’s language, guiding you through paperwork, photo logs, and policy fine print to make sure your claim is approved for the full value you deserve.
From emergency tarping to complete roof replacement, our crews handle every step of storm damage restoration with craftsmanship backed by industry-leading warranties. You’ll get clear timelines, honest updates, and a locally rooted team that treats your property like their own. Count on HEP to restore your roof—and your peace of mind—so you can get back to enjoying life in Englewood without worrying about the next cloud on the horizon.
FAQs
How do I know if my Englewood home’s roof qualifies for an insurance claim after a storm?
In most cases, a roof qualifies for an insurance claim when high winds, hail, or flying debris cause damage that was sudden and accidental. Signs include missing or curled shingles, dented metal components, granule loss, torn flashing, or interior leaks. Because many of these issues are not visible from the ground, we offer free, no-obligation inspections using photographic documentation and industry-standard assessment tools. Our certified inspectors will identify storm-related damage and help you determine whether it meets your insurer’s criteria for a valid claim.
What steps should I take immediately after storm damage occurs?
1. Ensure personal safety first—stay clear of downed power lines and unstable structures. 2. Protect the property by tarping exposed areas if possible; our emergency response team can assist 24/7. 3. Document damage with photos and videos from multiple angles, including interior leaks. 4. Contact your insurance carrier to start a claim and obtain a claim number. 5. Schedule a professional roof inspection; we will meet your adjuster on-site to advocate for a fair assessment. 6. Keep receipts for temporary repairs or lodging, as these may be reimbursable under your policy.
Will filing a roof claim increase my insurance premiums?
Because storm damage is considered an “act of God,” most companies do not surcharge individual policyholders for a single weather-related claim. Premiums across an entire ZIP code can rise after a major event, but that happens regardless of whether you file. If your roof has legitimate storm damage, it is generally in your financial interest to claim the benefits you already pay for rather than pay out of pocket.
How long does the insurance claim and roof restoration process take in Englewood?
Timelines vary by insurer and workload after a storm, but typical milestones are: • Inspection & claim filing: 1–3 days • Adjuster appointment & approval: 1–2 weeks • Material selection & permitting (Englewood Building Division): 3–7 days • Roof replacement: 1–3 days for most residential homes • Final inspection & insurer payment of depreciation: 1–2 weeks Overall, most homeowners are fully restored within 30–45 days, but we provide constant updates and can perform temporary repairs to prevent further damage while the claim is processed.
Do I need multiple estimates or will your company work directly with my insurer?
Colorado law does not require multiple estimates. We use the same Xactimate software and local price lists that insurers rely on, making the negotiation process smoother and faster. After you sign a contingency agreement, we act as your advocate—meeting the adjuster, justifying scope items, and submitting all paperwork. You pay only your deductible unless you choose upgrades not covered by the policy.
What materials and warranties are available for storm restoration roofs in Englewood?
We install impact-resistant asphalt shingles, metal roofing, tile, and synthetic products rated for Colorado’s hail and wind conditions. All systems meet or exceed Englewood’s current building code, including Class 4 impact ratings where applicable. Manufacturer warranties range from 30-year limited to lifetime non-prorated coverage, and we include a 5-year transferable workmanship guarantee. Upgraded ventilation, ice-and-water shield, and ridge cap shingles are standard on every restoration to maximize performance and insurance compliance.