Insurance Claim
Insurance Claim | Roof Inspections | Roofing | Ocoee
When storms barrel through Ocoee, the difference between a quick patch and a fully covered replacement often comes down to expert roof inspections performed before the insurance adjuster arrives. HEP’s seasoned specialists know where hidden wind, hail, and water damage likes to lurk, documenting every shingle and seam so you don’t leave money on the table. We speak the same language as insurers, turning confusing policy jargon into actionable next steps that protect both your home and your budget.
From the first phone call to the final shingle, our local, licensed crew manages the entire claim and repair process with transparent updates and zero high-pressure sales tactics. Whether you’re worried about a tiny leak or a full-blown disaster, schedule your complimentary roof inspections today and discover why Ocoee homeowners trust HEP to restore peace of mind—one roof at a time.
FAQs
Why do I need a professional roof inspection before filing an insurance claim in Ocoee?
A documented inspection by a licensed roofing professional is the backbone of a successful claim. Florida insurers require credible evidence that the damage was caused by a covered peril such as wind or hail, not normal wear. Our inspector photographs every slope, notes shingle bruising, lifted flashing, and any interior leaks, then ties each item to the specific storm event. This unbiased third-party report strengthens your claim, helps the adjuster calculate the correct payout, and reduces the risk of denial for “pre-existing” or “maintenance” issues.
What does your roof inspection include?
We follow Florida Building Code and ASTM inspection standards. The service covers (1) exterior walk-through and drone imagery of all slopes, (2) moisture meter readings in the decking, (3) attic assessment for water staining and ventilation issues, (4) photographic mapping of every damaged shingle, tile, or seam, (5) written summary of the roof’s remaining life expectancy, and (6) a repair vs. full-replacement cost estimate that aligns with Xactimate pricing used by most insurers. You receive the digital report within 24 hours so you can file or supplement your claim immediately.
How soon after a storm should I schedule an inspection?
Call us as soon as it is safe—ideally within 48–72 hours of the event. Florida policies often require "prompt notice" of loss, and waiting too long can give insurers grounds to argue that subsequent damage came from neglect. Quick documentation also captures fresh indicators such as granular loss and crease marks that fade with time and weather. We maintain emergency slots for Ocoee homeowners during hurricane season to guarantee same-week service.
Will your inspection report help when the insurance adjuster visits?
Yes. Our inspector can meet the adjuster on-site, walk them through each finding, and provide annotated photos and diagrams. Because the report uses the same terminology and measurements adjusters use, it speeds up scoping and minimizes overlooked items like detached drip edge or damaged underlayment. Many clients see claim approvals increase by 20–40 % after we present supplemental evidence compared to going into the meeting alone.
My claim was denied. Can a second inspection change the outcome?
Often, yes. Denials frequently stem from insufficient initial documentation or misclassification of damage. We perform a fresh, forensic-level inspection focusing on causation and code upgrades mandated under Florida’s 25 % Rule. If new or previously unnoted storm damage is found, we help you file a supplemental claim or invoke the appraisal process. Several Ocoee homeowners we assisted in 2023 secured full roof replacements after an initial denial by providing our detailed rebuttal report.
How much does an insurance claim roof inspection cost and can it be waived?
Our standard fee in Ocoee is $0 for homeowners who retain us to complete the repair or replacement; the cost is rolled into the project. If you only need the inspection and report, the standalone fee is typically $199–$299, depending on roof size and pitch. For senior citizens, veterans, and first responders we offer a 10 % discount. Either way, the fee is negligible compared to the thousands an accurate claim can add to your settlement.