Insurance Claim
Insurance Claim | Storm Damage Restoration | Roofing | Rutledge
When hail slams and high winds tear through Rutledge, the aftermath can feel overwhelming. HEP’s seasoned roofing specialists step in quickly, documenting every shingle and flashing issue so your insurance carrier gets a clear, detailed report. From the first inspection to the final nail, we shoulder the paperwork, code compliance, and adjuster meetings—giving you peace of mind while restoring the roof that protects your family.
Our local crews combine 20-plus years of craftsmanship with rapid response times and industry-leading materials, all backed by honest, neighborly service. Whether you need a temporary tarp tonight or a full rebuild next week, we provide transparent estimates, help maximize your claim, and keep you informed at every stage of the storm damage restoration process. Reach out today and let HEP turn a stressful situation into a seamless recovery.
FAQs
How do I know if my roof has storm damage that qualifies for an insurance claim in Rutledge?
After a severe weather event, look for missing or lifted shingles, dented metal flashing, granule loss collecting in gutters, water spots on ceilings, or debris impacts. Because some issues are subtle, it’s best to arrange a free, no-obligation inspection with a licensed local roofer. We document damage with photos, measurements, and written notes that meet insurance company standards, so you’ll know whether a claim is warranted before you file.
What is the step-by-step process for filing an insurance claim for storm-related roof damage?
1) Call your insurance carrier’s claims number to open a claim. 2) Schedule a professional roof inspection and obtain a detailed damage report with estimates. 3) Provide that report to your insurance adjuster and set an on-site meeting. 4) During the adjuster meeting, your roofer advocates for you, pointing out all storm-related issues. 5) Once the claim is approved, you receive a scope of work and settlement amount. 6) You sign a contract with the roofing contractor for repairs or replacement, paying only your deductible when the work is complete and the insurer releases the funds.
How soon after a storm should I contact a roofing contractor and my insurance company?
As quickly as possible—ideally within 24–72 hours. Timely action prevents minor damage from turning into leaks and demonstrates to your insurer that you took reasonable steps to mitigate further loss. Most policies also have deadlines (often 180 days) for filing claims, so early documentation protects your eligibility.
Will you meet with my insurance adjuster and help document the storm damage?
Yes. Our Haag-certified inspectors attend the adjuster meeting at no extra cost. We provide photographic evidence, a roof diagram, and a written estimate, ensuring nothing is overlooked. This collaboration speeds up approval, reduces back-and-forth, and helps secure a fair settlement for full code-compliant restoration.
What happens if my claim is denied or the insurance payout is lower than expected?
If your claim is denied, we review the denial letter, re-inspect the roof, and can assist with a supplemental claim or a request for re-inspection. If the payout is insufficient, we submit additional documentation (supplements) for items the adjuster may have missed, such as underlayment, flashing, or code-required upgrades. Most insurers will revisit the estimate when presented with clear evidence.
How long will the roof restoration take once the insurance claim is approved?
For a typical single-family home in Rutledge, material ordering and permitting take about 1–2 weeks after claim approval. The actual roof replacement usually takes 1–2 days, weather permitting. Complex projects or extensive structural repairs can extend the timeline, but we provide a detailed schedule up front and keep you informed at every stage.