Insurance Claim
Insurance Claim | Storm Damage Restoration | Roofing | Grandview
When a sudden hailstorm rips through Grandview, the scramble to secure your home and file an accurate claim can feel overwhelming. HEP turns that chaos into clarity, guiding you step-by-step through insurance paperwork while our certified crews tarp, assess, and photograph every damaged shingle. We speak the same language as adjusters, making sure nothing gets overlooked and your out-of-pocket costs stay as low as possible.
From the first free inspection to the final nail, our storm damage restoration team treats your roof like it’s our own, using impact-rated materials that stand up to Missouri weather. You’ll get transparent timelines, daily progress updates, and a workmanship warranty that outlasts the next big front—so the only thing you’ll remember about the storm is how quickly HEP had you covered.
FAQs
How can I tell if my roof has storm damage that justifies an insurance claim in Grandview?
After hail, high winds, or heavy rain, look for missing or lifted shingles, dented metal flashings, granules in gutters, water stains on ceilings, or pieces of roofing on the ground. Because some damage is subtle, schedule a no-cost inspection with a licensed Grandview roofing contractor. We use drones and on-roof evaluations to document bruised shingles, cracked tiles, and compromised sealant that homeowners often miss. Detailed photos and a written report will verify whether the damage meets insurance guidelines for a claim.
What steps are involved in filing a storm-damage roof claim?
1) Contact your insurer’s claims department to open a file and receive a claim number. 2) Arrange a professional roof inspection to obtain evidence of storm impact. 3) Provide your contractor’s inspection report and photos to the adjuster. 4) Meet the adjuster on-site so the contractor can point out every area of damage. 5) Review the insurer’s estimate (the scope of work). 6) Sign a work authorization with your chosen roofer, who will complete repairs or replacement per code. 7) The insurer issues initial ACV (actual cash value) funds; you pay only your deductible. 8) When the work is finished, your contractor submits a completion invoice so the carrier can release any remaining depreciation funds.
Will my insurance policy pay for a full roof replacement or only repairs?
Coverage depends on the extent of storm damage, your roof’s age, and the policy type (RCV vs. ACV). If damage is widespread—25–30% or more of the roof plane—code and manufacturer guidelines often require a complete replacement, which most Grandview policies cover on an RCV (replacement cost value) basis. Isolated damage, such as a few torn shingles, may be covered for spot repairs. Your contractor and adjuster compare shingle availability, color match, and code upgrades to determine whether repair is feasible or a full replacement is warranted.
How long do I have to submit a storm damage roof claim in Grandview?
Most Missouri homeowners policies allow 6–12 months from the date of loss to file, but some carriers require notice within 30–60 days. Because summer hail and spring windstorms are common in Grandview, it’s best to call your insurer as soon as damage is suspected. Delays can lead to secondary leaks, which may be excluded from coverage. If you’re unsure of your deadline, review your declarations page or ask your agent, then schedule an inspection immediately so you don’t miss the window.
Do I need multiple estimates, and will you work directly with my insurance adjuster?
Missouri insurers seldom require multiple estimates; they prefer one qualified contractor who follows the carrier’s scope of work and current Xactimate pricing. Our Grandview team meets the adjuster on-site, reviews the damage together, and agrees on materials, code items, and local labor rates. By communicating directly with your adjuster, we reduce back-and-forth phone calls, prevent scope omissions, and keep your project on schedule. You remain informed but free from paperwork stress.
What if my claim is denied or the settlement seems too low?
You have options. First, ask for a detailed written denial or explanation of the short-paid items. Next, request a re-inspection—most carriers allow one—so a different adjuster can review the roof with your contractor. If discrepancies remain, we can supply supplemental documentation such as core samples, code citations, and additional photographs. Independent appraisal or mediation is also available under most policies. Our job is to advocate on your behalf and ensure you receive the full, fair benefits your premium paid for.