Insurance Claim
Insurance Claim | Storm Damage Restoration | Roofing | Hillsboro
When Hillsboro’s skies turn violent, HEP is the local team residents call to turn chaos into calm. Our certified roofers arrive quickly, document every shingle, flashing, and gutter impact, and guide you through the insurance paperwork so you’re never left guessing. From temporary tarping to full shingle or metal replacements, we handle each step with the goal of restoring both your roof and your peace of mind.
What sets us apart in storm damage restoration is our transparent communication and proven workmanship. We negotiate directly with insurers to secure the coverage you deserve, then use premium materials backed by industry-leading warranties. The result is a roof built to withstand Tennessee’s next surprise storm—and a hometown customer experience you’ll be happy to share.
FAQs
How can I tell if my roof has storm damage after a hail or wind event in Hillsboro?
Some signs—such as missing shingles, dented flashing, granule loss, interior leaks, or water stains—are easy to spot from the ground or attic. Others, like cracked shingles or lifted fasteners, require a professional eye. Because Hillsboro storms often include high winds and hail that cause subtle damage, we recommend scheduling a free, no-obligation inspection so a Haag-certified roof inspector can document any issues before they worsen or your insurance filing window closes.
What steps are involved in filing an insurance claim for storm-damaged roofing?
1) Call your insurer’s claims hotline to open a claim. 2) Contact us to perform a detailed inspection, photo documentation, and a written report that meets insurer guidelines. 3) We meet the adjuster on-site to ensure all damage is noted and code upgrades are included. 4) Once the claim is approved, you receive a loss summary and first check (ACV). 5) We schedule the roof replacement or repairs, complete the work, and submit final invoices. 6) Your insurer issues the depreciation and any supplemental funds. We walk you through each step and keep the paperwork hassle-free.
Will my homeowner’s insurance pay for a full roof replacement or just repairs?
Coverage depends on your specific policy, the age of the roof, and the severity of damage. In most Hillsboro policies written as Replacement Cost Value (RCV), if hail or wind has compromised more than 25–30% of the roof or damaged vital components (decking, flashing, vents), insurers typically authorize a full replacement to restore the roof to pre-loss condition. Actual Cash Value (ACV) policies pay only the depreciated value, leaving a larger out-of-pocket share. We review your policy, document the damage, and negotiate with the adjuster to secure the fairest settlement allowed.
How quickly should I have my roof inspected after a storm?
Immediately. Most carriers require that claims be filed within 6–12 months of the storm date, and hidden moisture can rot decking or cause mold long before then. In Hillsboro, rapid weather changes mean small punctures can expand as temperatures fluctuate. A prompt inspection preserves your right to file a claim, prevents additional interior damage, and provides time-stamped evidence that the storm—not normal wear—caused the issue.
Why should I choose your company for storm damage restoration in Hillsboro?
We are a local, licensed, and bonded contractor specializing in insurance restoration. Our crews live and work in the Hillsboro area, so we understand regional building codes and weather patterns. We use impact-resistant Owens Corning and GAF materials, back our work with a lifetime workmanship warranty, and handle all claim negotiations at no extra fee. From emergency tarping to final cleanup, you get one point of contact and a transparent, written timeline.
What if the insurance adjuster’s estimate is lower than the contractor’s proposal?
This is common because adjusters use generic pricing software and may overlook code upgrades or hidden damage. We provide a detailed Xactimate estimate, photos, and code citations to justify the required scope. If discrepancies remain, we submit a supplemental claim or request a reinspect. Our expertise in insurance billing usually brings the carrier’s payout in line with the actual restoration cost, so you pay only your deductible—no surprises.