Insurance Claim Process
Insurance Claim Process | Storm Damage Restoration | Roofing | Pikeville
When high winds and hail tear through Pikeville, HEP’s roofing team moves fast to shield what matters most—your home and your peace of mind. Our licensed inspectors arrive promptly, document every shingle and flashing issue with photos and detailed notes, then sit down with you to complete the paperwork your insurance carrier requires. We speak the carriers’ language, so you don’t have to; from filing the initial claim to meeting the adjuster on-site, we champion your case and keep you updated at every turn.
Once approval is secured, our craftsmen get to work on full storm damage restoration, using premium Owens Corning materials and OSHA-compliant safety practices. We finish most roofs in a single day, clean up every last nail, and provide a workmanship warranty that’s as solid as your new roof. With HEP, Pikeville homeowners get a seamless insurance claim experience and a roof built to withstand whatever the next storm brings.
FAQs
How do I know if my roof qualifies for an insurance claim after a storm in Pikeville?
Signs that usually qualify include missing or lifted shingles, dents in metal components, granule loss that exposes the asphalt layer, leaks appearing soon after the storm, and debris impacts. Because hail and high-wind events can be subtle, the safest way to confirm eligibility is to schedule a no-cost inspection with a licensed local roofer. We document all damage with photos, mark hail impacts in chalk for the adjuster, and cross-check current weather data to verify that the storm met your policy’s wind or hail thresholds.
What steps should I take immediately after discovering storm damage?
1. Protect the interior: Place buckets under active leaks and cover valuables. 2. Take photos/videos of all visible damage from the ground and inside the attic. 3. Contact your insurance carrier’s claims hotline to open a claim and receive a claim number. 4. Call our Pikeville restoration team; we can install emergency tarps within hours to prevent additional damage (most policies reimburse this cost). 5. Keep receipts for tarping, plywood, or temporary housing—these may be reimbursable. 6. Avoid permanent repairs until the adjuster has completed their inspection unless your insurer gives written authorization.
Will your company assist with filing my insurance claim and meeting with the adjuster?
Yes. After the initial inspection we create a detailed damage report, help you submit it through your carrier’s online portal, and then schedule the adjuster meeting. A project manager will be on-site during the inspection to point out every affected area and supply Xactimate-formatted estimates that align with insurance pricing. This advocacy ensures nothing is overlooked and often increases the approval amount, reducing out-of-pocket costs for the homeowner.
How long does the insurance claim roofing restoration process typically take?
Timelines vary, but most Pikeville storm claims follow this schedule: • Claim filing to adjuster inspection: 3–7 business days. • Carrier decision and first ACV (actual cash value) payment: 1–2 weeks after inspection. • Material ordering & permitting: 3–5 days once funds are released. • Roof replacement: 1–2 days for an average 30-square roof. • Final inspection & depreciation release: 7–14 days after completion. Overall, expect 3–5 weeks from claim submission to final payment, although large events can extend the process.
What if my claim is denied or only partially approved?
Denials and lowball offers are not the end of the road. We review the carrier’s scope of loss, compare it to our findings, and can submit a supplemental claim with additional photos, core samples, or a Haag-certified engineer’s report. Kentucky policyholders also have the right to request a re-inspection or invoke the appraisal process, where independent appraisers (one chosen by you, one by the carrier) agree on a fair value. We guide you through each option and provide all documentation needed to strengthen your case.
How does the deductible work and when do I have to pay it?
The deductible is the portion of the loss you are contractually obligated to pay; insurance covers the rest up to policy limits. For example, if your policy has a $1,000 deductible and the approved roof replacement cost is $12,000, insurance will pay $11,000 and you pay $1,000. Kentucky law prohibits contractors from waiving or rebating deductibles, but we do offer flexible payment plans. The deductible is usually collected on the day your roof work begins or when you receive the first insurance check—whichever comes first.