Insurance Adjuster
Insurance Adjuster | Storm Damage Restoration | Roofing | Mulberry
When wind, hail, and driving rain sweep through Mulberry, even the toughest roof can suffer. HEP’s local team arrives fast, documenting every crease, crack, and missing shingle so your insurer sees the full picture. Because we’re both roofers and licensed insurance adjusters, you skip the back-and-forth between separate companies and move straight to a clear, fair claim—one that protects your home and your wallet.
From the first free inspection to the final shingle, our specialists keep you informed with photo reports, real-time updates, and transparent pricing. We negotiate directly with your carrier, then deploy factory-certified crews who restore your roof to better-than-pre-storm condition, often upgrading materials at little or no extra cost. That blend of advocacy and craftsmanship is why Mulberry homeowners choose HEP for reliable storm damage restoration.
Every project is backed by industry-leading warranties and a 100% satisfaction guarantee, so you can watch the clouds roll in again with total peace of mind.
FAQs
How do I know if my roof has storm damage after severe weather in Mulberry?
Signs of storm damage include missing or lifted shingles, dented metal flashing, granule loss that leaves bald spots on shingles, cracked tiles, and leaks or water stains on ceilings and walls inside your home. After a hail or wind event, it’s best to have a professional roofing inspector perform a free, no-obligation assessment. Our adjuster-trained team uses drones, moisture meters, and photographic documentation to give you a precise damage report you can share with your insurer.
What should I do immediately after a storm hits my roof in Mulberry?
1) Put safety first—stay clear of downed power lines and avoid climbing on the roof yourself. 2) Document visible exterior and interior damage with photos or video. 3) Contact our storm-response line so we can tarp exposed areas to prevent further water intrusion. 4) File a claim with your homeowner’s insurance carrier and provide the preliminary photos; we can meet the adjuster onsite to ensure all damage is noted. Acting within 24–48 hours helps protect your property and supports a smoother claims process.
How does the insurance claim process work for storm-related roof damage?
Once you open a claim, your insurer assigns an adjuster to inspect the property. We coordinate an appointment, meet the adjuster, and present our inspection findings, code requirements, and a detailed Xactimate estimate. If additional hidden damage is discovered, we submit supplemental documentation. After approval, the insurer releases funds (often in two payments) based on actual cash value (ACV) and recoverable depreciation. We handle all roofing, gutter, and exterior repairs, then supply completion photos and invoices so your final payment is issued—minimizing your out-of-pocket cost to just the deductible.
Why should I hire a roofing contractor who works directly with insurance adjusters?
A contractor experienced with insurance protocols knows how carriers calculate loss, what local building codes require, and how to use the same estimating software adjusters use. This translates into more accurate scopes, fewer claim delays, and coverage for legitimate items (flashing, underlayment, ventilation) that less-experienced roofers may overlook. We advocate for you, not the insurer, ensuring you receive the full benefits of your policy while relieving you of paperwork, follow-up calls, and technical negotiations.
How long does storm-damage roof repair or replacement take in Mulberry?
Timelines depend on material availability and weather conditions, but a typical asphalt shingle replacement on an average-sized home takes 1–2 days once permits and insurance approvals are in place. Tile or metal systems may require 3–5 days due to additional labor and custom ordering. Our project manager provides a schedule upfront, arranges city inspections, and keeps you informed every step of the way. Emergency tarping is completed the same day you call to stop leaks until full repairs begin.
Will my homeowner’s insurance premium increase if I file a storm-damage claim?
In Florida, insurers generally cannot raise your premium for a single weather-related claim because storms are classified as catastrophic events beyond your control. However, carriers do review overall loss history when setting regional rates, and multiple claims within a short period can affect eligibility or deductibles. Filing a legitimate claim for significant damage is usually more cost-effective than paying for repairs out of pocket. We can perform a free inspection to determine whether the damage meets your deductible before you decide to file.