Insurance Paperwork
Insurance Paperwork | Storm Damage Restoration | Roofing | Georgetown
When fierce Texas weather leaves shingles scattered and ceilings dripping, HEP steps in to turn chaos into calm. Our Georgetown specialists streamline every phase of storm damage restoration, from the first tarp to the final shingle, while handling the insurance paperwork that so often overwhelms homeowners. We speak the language of adjusters and claims so you don’t have to—making sure your roof is documented, photographed, and reimbursed the way it should be.
With decades of local experience, we know the codes, materials, and timelines that keep Central Texas roofs resilient. HEP crews arrive quickly, work cleanly, and leave you with a warranty-backed roof built to weather the next big blow. Call today for a free inspection, and let us restore your peace of mind along with your home.
FAQs
How do I know if my storm-damaged roof qualifies for an insurance claim in Georgetown?
Start by scheduling a free inspection with our Haag-certified roof inspectors. We document wind, hail, or debris impact using photos, core samples, and a written report that references Texas Department of Insurance (TDI) guidelines. If damage meets the criteria spelled out in your policy—typically torn, punctured, or bruised shingles, damaged flashing, or compromised decking—we’ll advise you to file a claim. If the damage is purely cosmetic and doesn’t surpass your deductible, we’ll let you know so you can avoid an unnecessary claim.
What role do you play in the insurance paperwork and claim process?
We act as your restoration advocate from start to finish. After the inspection, we help you file the initial notice of loss, meet the adjuster onsite to ensure all damage is recorded, and prepare Xactimate line-item estimates that align with insurer pricing. Once the claim is approved, we review the scope of loss, negotiate any missed items (supplements), and handle final invoicing and completion photos so your carrier releases depreciation funds quickly.
Will filing a storm damage claim raise my homeowners insurance rates?
In Texas, premium changes are usually based on the overall storm history in your ZIP code rather than a single catastrophe (CAT) claim. A single weather-related claim generally won’t raise your individual rate; however, multiple claims within a three-year period can affect your renewability. We’ll review your loss history and policy so you can make an informed decision before submitting a claim.
What if the insurance settlement is lower than the cost to restore my roof to pre-storm condition?
This is common when adjusters miss hidden damage or use incorrect measurements. We provide a detailed supplemental package—complete with photos, code documentation for Georgetown and Williamson County, and adjusted Xactimate pricing—to justify the additional funds. More than 80 % of our clients receive supplemental approval, ensuring you only pay your deductible and any policy-specific upgrades you choose.
How long does the storm damage restoration process take from claim to roof completion?
Timelines vary, but most Georgetown projects follow this schedule: 1–3 days for inspection and claim filing, 5–10 days for adjuster meeting and initial estimate, 1–2 weeks for supplement approval if needed, and 1–2 days for the full roof replacement. Overall, expect 3–6 weeks, depending on carrier response times and weather. We provide a project portal where you can track every milestone in real time.
Do you handle local permitting and code compliance for Georgetown roofing projects?
Yes. We pull all necessary permits through the City of Georgetown Development Services and ensure your new roof meets 2024 International Residential Code (IRC) standards, including ice & water shield in valleys, high-wind nailing patterns, and proper attic ventilation per manufacturer specs. All documentation is uploaded to your insurance carrier so you receive credit for code upgrades covered under Ordinance or Law provisions in your policy.