Insurance Claims
Insurance Claims | Roof Replacement | Roofing | Mulberry
When a sudden storm sweeps through Mulberry and shingles scatter across the lawn, HEP steps in to turn hassle into confidence. Our insurance-claims specialists document every crack and crease, working directly with adjusters so you don’t have to. From the first inspection to the final nail, we streamline the entire roof replacement process, ensuring your new roof is approved, scheduled, and installed without surprises.
Mulberry homeowners choose HEP because we combine small-town courtesy with elite craftsmanship. We use premium, Florida-tested materials, communicate at every milestone, and finish with spotless clean-up that leaves your property looking better than we found it. If you need roof replacement backed by transparent insurance guidance and a crew that treats your home like their own, schedule a free inspection with HEP today and take the stress out of getting a brand-new roof.
FAQs
How do I know if my Mulberry roof damage is covered by insurance for replacement?
Most homeowner policies in Mulberry cover sudden and accidental events such as wind, hail, falling debris, or fire. Normal wear and tear or lack of maintenance is usually excluded. The best way to confirm coverage is to review your policy’s declarations page and exclusions section, then call your carrier for clarification. Our team can perform a free inspection, document the damage with photos, and let you know whether it meets common insurance guidelines for roof replacement.
What steps should I take immediately after storm damage before filing a roofing claim?
1. Ensure safety first—stay clear of downed power lines or unstable structures. 2. Take clear, date-stamped photos or videos of visible roof damage and any interior leaks. 3. Protect your home from further harm by placing tarps or buckets to catch water; most policies require reasonable mitigation. 4. Contact a licensed local roofer like us for an emergency inspection and written report. 5. Notify your insurance carrier’s claims department as soon as possible; the sooner you file, the faster the process generally moves.
How does the insurance roof replacement process work with your company in Mulberry?
After your initial call, we schedule a no-obligation inspection and create a detailed damage report. With your permission, we meet the adjuster onsite to make sure all storm-related issues are recorded. Once the claim is approved, we review the insurance estimate line by line, verify code-required items for Polk County, and handle any supplemental paperwork. You only pay your deductible and any pre-approved upgrades; the insurer pays the rest directly or through you. We then pull the permit, install the new roof to Florida Building Code standards, and provide photos and warranty documents for final claim closure.
Will filing a roof replacement claim raise my homeowner’s insurance premiums?
A single weather-related claim generally does not target you for a rate hike, because storms are considered ‘Act of God’ events. However, insurers may raise premiums for entire regions that experience widespread losses. Multiple claims in a short period or claims unrelated to weather (like water leaks from neglect) can affect your individual rate. Speak with your agent for specifics, but most Mulberry homeowners find that restoring a damaged roof far outweighs the potential for a small premium adjustment.
What documentation do I need to provide to get my insurance claim approved?
Insurers typically ask for: • Your policy number and contact information. • The date and cause of loss (hailstorm, high winds, etc.). • Photos or video of exterior and interior damage. • A professional roof inspection report and repair estimate. • Any temporary repair receipts (tarps, plywood) for reimbursement. Our staff prepares a complete inspection packet, including measurements, photos, and code citations, so the adjuster has everything necessary to process your claim quickly.
Can I upgrade my roofing materials during an insurance-covered replacement, and how is the cost handled?
Yes. Your insurance settlement is based on replacing your current roof with materials of like kind and quality. If you choose to upgrade—for example, from three-tab shingles to architectural shingles or metal—you simply pay the difference between the carrier’s allowance and your chosen product. We give you a written cost-upgrade quote before work begins so there are no surprises, and we still manage all code and permitting requirements for your new roof.