Insurance Claim
Insurance Claim | Roof Inspections | Roofing | Pikeville
When storms sweep through Pikeville, you need a local team that understands both the weather patterns and the insurance maze. HEP’s certified experts make roof inspections quick, clear, and stress-free—we show up on time, climb up safely, and document every shingle and seam with high-resolution photos. Our detailed reports speak the language adjusters prefer, so your claim moves faster and you stay in control of the outcome.
From the first call to the final handshake, we advocate for you. Whether you’re worried about hidden hail damage or you simply want the peace of mind that comes from professional roof inspections, HEP delivers transparent communication, honest recommendations, and craftsmanship you can trust—all backed by a Pikeville team that treats your home like our own.
FAQs
What types of roof damage are typically covered by homeowners insurance in Pikeville?
Most standard homeowners policies sold in Pikeville cover sudden and accidental damage caused by wind, hail, heavy snow or ice, fallen tree limbs, and lightning. Because our region sits in the foothills of the Appalachians, wind-driven rain and hailstorms are two of the most common claim triggers we see. What is NOT covered are losses that stem from long-term wear, lack of maintenance, or age-related deterioration. A professional inspection documents whether the damage is the result of a covered peril, giving you the evidence you need when you open a claim.
How do I know if I need a professional roof inspection after a storm?
Even if you do not see missing shingles from the ground, hidden problems—such as bruised shingles, lifted flashing, or hail-caused granule loss—can compromise your roof’s watertight seal. If Pikeville experiences winds stronger than 45 mph, hail larger than ¾-inch, or heavy ice buildup, schedule an inspection. Other red flags include interior water stains, granules in gutters, or shingles lying in the yard. Our Haag-certified inspectors perform a no-obligation assessment that pinpoints storm-related damage and provides photographs for your records.
What is the process for filing a roof insurance claim, and how can your company help?
1. Inspection & Documentation – We inspect the roof, mark all storm hits, take photos, and generate a written report. 2. Claim Initiation – You call your carrier’s 800-number to open the claim; we can walk you through the questions. 3. Adjuster Meeting – When the insurance adjuster visits, one of our project managers is on-site to show the documented damage and answer technical questions. 4. Review of Scope – After you receive the adjuster’s summary, we compare it to our own estimate to make sure all code items and materials are included. 5. Roof Replacement/Repair – Once you authorize the work, we schedule the crew, pull Pikeville permits, and complete the job, usually in one day for asphalt shingles. 6. Final Billing – We submit any supplemental paperwork to the carrier and bill you only for your deductible and any upgrades you choose.
Will an inspection cost me anything, and can it affect my insurance premiums?
Our initial storm-damage inspection is completely free for Pikeville homeowners. There is no fee unless you decide to move forward with repairs. Simply requesting an inspection or even filing a claim does not raise your premiums; rate increases are determined by the carrier’s overall loss data for the zip code, not by individual claims. If the damage is below your deductible, we will tell you upfront so you can avoid an unnecessary claim.
How quickly should I schedule an inspection after noticing potential damage?
Act within 72 hours of a major weather event if possible. Fresh impact marks and broken seals are easier to verify when they are newly created. In Kentucky, most policies require that you report storm damage within 12 months, but waiting months can allow leaks to develop, leading to interior damage that may or may not be covered. We offer same-day and next-day appointments across Pikeville and the surrounding counties, so you can protect your home promptly.
What happens if my insurance adjuster’s estimate is lower than my contractor’s?
Discrepancies are common because adjusters often use generic estimating software that may omit local code upgrades, ridge ventilation, or the full scope of underlayment. As part of our service, we create a detailed line-item estimate using Xactimate—the same software most carriers use—then submit a supplemental request with photos, code citations, and material invoices. In over 90% of cases, the carrier approves the supplement, bringing the claim total in line with the actual cost of restoring your roof to pre-loss condition.