Insurance Paperwork
Insurance Paperwork | Storm Damage Restoration | Roofing | Harrison
When violent winds and flying debris leave your Harrison home with missing shingles, leaks, or punctures, HEP steps in with compassionate expertise. Our certified roofing specialists document every bruise and crack, pairing high-resolution photos with detailed reports so your claim adjuster sees exactly what the storm left behind. From the first phone call to the final shingle, we keep you informed, advocate on your behalf, and ensure the full scope of storm damage restoration is approved—no surprises, no shortcuts.
Instead of wrestling with confusing forms and fine print, hand the entire insurance paperwork burden to us. We speak the language of adjusters, negotiate fair settlements, and then deliver flawless craftsmanship backed by industry-leading warranties. HEP transforms a chaotic, stressful situation into a smooth, neighborly experience—returning your roof, and your peace of mind, to better-than-pre-storm condition.
FAQs
How do I know if my roof has storm damage that qualifies for an insurance claim in Harrison?
After a severe wind or hail event, look for obvious signs such as missing shingles, dented metal, granule loss in downspouts, water spots on your ceilings, or debris on the roof. However, much of the damage that insurers pay for—like bruised shingles or lifted flashing—can be hard to spot from the ground. The safest approach is to schedule a no-obligation inspection with a certified local roofing specialist. We follow HAAG engineering guidelines, photograph every affected area, and give you a written report. If the inspection shows storm-related damage that meets insurer thresholds, you’re likely eligible to open a claim.
What is the step-by-step process for filing a storm-damage roofing claim with my insurance company?
1. Contact us for a free inspection. 2. If damage is confirmed, call your insurer’s claims hotline to open a claim and receive a claim number. 3. We help you complete the initial paperwork and upload photo evidence. 4. Your insurer assigns an adjuster; we meet the adjuster on-site to advocate for full, code-compliant repairs. 5. The adjuster prepares an Xactimate estimate. We review it for accuracy and request supplements if anything is missing (vents, drip edge, code upgrades, etc.). 6. Once the claim is approved, you receive the first check (ACV minus deductible). We schedule the roof work immediately. 7. After final inspection and invoicing, the insurer releases the recoverable depreciation, and you pay only your deductible.
What documentation do I need to provide, and can you help with the insurance paperwork?
Yes. We streamline the entire paper trail. You’ll need: (1) your policy number, (2) photos or videos of the storm event if available, (3) our professional inspection report with annotated photos, (4) the signed scope of work, and (5) any emergency repair invoices (tarps, board-ups) so the insurer can reimburse you. We fill out the Proof of Loss form, supplement requests, and final Certificate of Completion, then submit them through the insurer’s portal on your behalf. This minimizes delays and ensures you stay in full compliance with policy requirements.
Will filing a roofing claim raise my insurance premiums?
In Indiana and most states, insurance carriers cannot legally raise your rates for a single weather-related claim because storms are considered an "Act of God.” However, premiums can increase across an entire ZIP code after a catastrophic event. In other words, your rate may go up whether you file or not, so failing to claim legitimate damage often means you’re paying more while covering repairs out-of-pocket. If you have filed multiple claims for non-weather losses in the recent past, speak with your agent about potential surcharges.
How long does it take to get my storm-damaged roof repaired or replaced once the claim is approved?
Typical timelines for Harrison projects are: • Claim approval to material delivery: 3-7 business days (longer if specialty shingles or back-ordered metal colors are requested). • Tear-off and replacement of an average 30-square asphalt roof: 1-2 days. • City/County inspection and insurer completion paperwork: 2-3 days after the build. Overall, most homeowners see their roof fully restored within 2-3 weeks of claim approval. Emergency tarp-ups can be installed within 24 hours to prevent further water intrusion while paperwork is processed.
Why should I choose a local Harrison contractor for storm damage restoration and insurance assistance?
Local contractors understand Harrison’s building codes, wind-speed requirements, and permit procedures, which speeds up approvals and ensures code compliance. We’re also familiar with the adjusters assigned to this region, making negotiations smoother. Because our office and crews are nearby, we can respond quickly for follow-up service, warranty calls, or additional documentation your insurer might request months later. Finally, using a licensed, insured local company protects you from the common "storm-chaser" scams that disappear once the work is finished.