Insurance Claim
Insurance Claim | Roof Inspections | Roofing | McMinnville
When storms sweep through McMinnville, HEP is ready to turn stress into certainty. Our certified technicians arrive promptly, document every shingle and flashing detail, and create a clear, photo-rich report that strengthens your insurance claim. With decades of local experience, we know what adjusters look for and how to speak their language, so you can focus on daily life while we advocate for the payout you deserve.
Thorough, no-pressure roof inspections are the heart of our service. We climb, drone, and thermal-scan to uncover hidden damage, then walk you through honest repair or replacement options that fit your budget and timeline. From first call to final shingle, HEP keeps McMinnville homeowners covered—literally and figuratively.
FAQs
When should I schedule a roof inspection after a storm in McMinnville?
Ideally, book an inspection within 24–72 hours of any hail, wind, or heavy rain event. Oregon insurance policies typically require you to report storm damage “promptly,” and waiting too long can allow water intrusion to worsen or give your insurer grounds to deny parts of the claim. Calling quickly also lets us document fresh damage before temporary repairs or debris removal alter the evidence.
What does your insurance-claim roof inspection include?
Our certified inspector will: • Photograph and video every slope, valley, flashing, vent, chimney, and penetration. • Measure shingle loss, bruising, granule displacement, lifted seams, and impact marks using HAAG-accepted standards. • Check attic decking, insulation, and ventilation for hidden leaks or mold. • Create a CAD roof diagram with exact squares and pitches for the carrier’s Xactimate estimate. • Provide a written condition report, repair/replacement scope, and cost breakdown that follows Oregon Administrative Rule 836-080. We then meet your adjuster on-site to compare findings, so you don’t have to climb a ladder or argue technical details.
How much does an insurance-claim roof inspection cost in McMinnville?
For homeowners filing or considering an insurance claim, we waive the normal $179 inspection fee. The assessment, report, and adjuster meeting are provided at no out-of-pocket cost. If the roof is not storm-related and you only need a routine real-estate or maintenance inspection, our standard fee applies.
Will my homeowners insurance cover the full cost of roof repairs or replacement?
Coverage depends on your policy type and deductible. Most Yamhill County properties carry Replacement Cost Value (RCV) policies, which pay the full cost of a comparable new roof minus your deductible. Actual Cash Value (ACV) policies subtract age-related depreciation, leaving you to cover the difference. We review your declarations page, explain depreciation schedules, and ensure all code-required upgrades (underlayment, ventilation, ice-and-water shield at eaves per ORSC R905.1.2.1) are included in the adjuster’s estimate.
How long does the inspection and claim process take?
• On-site inspection: 60–90 minutes. • Report delivery: Same business day. • Insurance claim filing: Usually completed online or by phone in 15–30 minutes with our guidance. • Adjuster inspection: 3–10 days after the claim is opened, depending on carrier load. • Claim decision & first payment: 7–14 days after adjuster visit. • Roof installation: 1–3 days once materials arrive and weather permits. Most McMinnville claims are fully settled within four to six weeks from the initial call.
What should I prepare before your inspector arrives?
1. Your homeowners insurance declarations page and claim number (if already filed). 2. Any photos you took immediately after the storm. 3. A list of interior leaks or ceiling stains you’ve noticed. 4. Clear access to the attic hatch for moisture and decking checks. 5. Pets secured indoors, as we’ll be moving ladders around the exterior. Having these items ready keeps the appointment efficient and ensures we capture every detail the adjuster will need.