Insurance Claim
Insurance Claim | Storm Damage Restoration | Roofing | Philadelphia
When brutal Mid-Atlantic winds, hail, or driving rain leave your Philadelphia roof battered, HEP moves fast to turn chaos into calm. Our certified team documents every shingle, file, and photo, guiding you through the insurance maze so you can focus on daily life while we focus on seamless storm damage restoration that brings your home back to pre-loss condition—or better.
From the first free inspection to the final quality check, you’ll have a local project manager who speaks both roofing and insurance. We negotiate directly with adjusters, use code-compliant materials built for Philly’s climate, and keep you updated at every milestone. Reach out today and discover how stress-free an insurance claim can be when HEP is on your side.
FAQs
What should I do immediately after my roof is damaged by a storm in Philadelphia?
First, make sure everyone in the home is safe and stay clear of any visible hazards such as downed power lines or loose shingles. As soon as it is safe, take clear photos or video of the damage from ground level; do not attempt to climb onto the roof yourself. Call your insurance carrier to start a claim and obtain a claim number. Then contact a licensed Philadelphia roofing contractor (like us) to schedule an emergency inspection and temporary tarping if needed. Quick action limits further interior damage and helps demonstrate that you mitigated losses, a requirement in most policies.
How do I know if my storm-related roof damage is covered by my homeowner’s insurance?
Most standard homeowner policies in Pennsylvania cover sudden, accidental storm events such as wind, hail, falling trees, or heavy snow/ice loads. Damages caused by wear-and-tear, age, or lack of maintenance are typically excluded. Review the “Dwelling” and “Perils Insured Against” sections of your policy, paying special attention to wind/hail deductibles, cosmetic-damage clauses, and actual-cash-value versus replacement-cost provisions. If you are unsure, we can review your policy with you and point out the relevant language before you file a claim (not legal advice, just guidance from industry experience).
What documentation do I need to file a roofing insurance claim?
Insurers usually ask for: (1) the date and time of the storm; (2) photos or video of the roof, gutters, attic, and any interior water stains; (3) a written inspection report from a qualified roofing contractor detailing the type, extent, and probable cause of damage; (4) an estimate for repair or replacement; and (5) receipts for any emergency mitigation work, such as tarping. Keep copies of all communications with the carrier and note the adjuster’s name and visit date. Organized documentation speeds claim approval and reduces disputes.
How does your company assist with the insurance claim process for storm damage?
We offer a full turn-key service: (1) Free storm-damage inspection and photo report within 24 hours. (2) Assistance in opening the claim and submitting required photos, diagrams, and written estimates via your carrier’s preferred portal. (3) On-site presence during the adjuster’s inspection to ensure all damage is fully documented according to Philadelphia’s building code and manufacturer specifications. (4) Direct communication with the desk adjuster to address supplements for hidden decking, code-required ice-shield, or ventilation upgrades. (5) Once the claim is approved, we schedule repairs, pull Philadelphia Licenses & Inspections (L&I) permits, and bill the insurer directly for covered work, making the process as stress-free as possible for you.
How long does it take to get my roof repaired or replaced after storm damage and an approved claim?
Timeline depends on claim complexity and material availability, but most Philadelphia storm-damage projects follow this pattern: 1–3 days for the adjuster’s inspection, 5–10 business days for claim approval, and 1–2 weeks to schedule production once materials arrive and permits are issued. Asphalt-shingle replacements are generally completed in one day, while slate or flat-roof systems may take several days. We prioritize emergency leaks immediately with temporary measures and keep you updated at every step.
Will filing a storm-damage claim increase my homeowner’s insurance premiums?
Pennsylvania insurers cannot raise premiums or cancel policies solely because you filed one claim for a weather-related “Act of God” loss. However, premiums can rise broadly if many claims occur in a geographic area after a major storm. Filing multiple claims within a short period, or claims that the carrier denies as maintenance-related, can impact your individual rate. Always weigh the repair cost versus your deductible; we can provide a preliminary estimate so you can decide whether a claim makes financial sense.