Roofing Insurance Claims in Hammond

Hammond’s Local Roofing Contractor Since 2003: One Team From Inspection Through Installation

Hobson & Scott has worked with homeowners across Hammond and Lake County since 2003. We’re a family-owned and operated business, which keeps decision-making local and accountability direct. The crew that inspects your damage is the same crew that installs your roof.

We’re fully licensed and insured, and we offer free inspections for Hammond homeowners assessing storm damage. Getting us involved early can help ensure damage is properly documented before your adjuster arrives.

If a storm has damaged your roof, don’t wait to get a professional inspection. Call Hobson & Scott at (219) 951-4510 to schedule your free estimate today.

What Hammond Homeowners Should Do After Storm Damage

The steps you take in the first few days after discovering roof damage can meaningfully affect your insurance claim. Here’s what the process typically looks like from discovery through approval.

Document before you repair.
Photograph and video every area of visible damage before touching anything. Capture damaged or missing shingles, dented flashing, gutters, soffit, and any interior water stains. This documentation becomes the foundation of your claim.

Prevent further damage.
Indiana insurance policies generally require reasonable steps to prevent additional loss. If shingles are missing and rain is forecast, temporary tarping can help prevent interior water intrusion. Keep receipts for any emergency materials you purchase.

Don’t make permanent repairs yet.
Replacing shingles or making other permanent repairs before the adjuster inspects the damage can complicate your claim. Hold off until after that visit.

File your claim promptly.
Contact your homeowners insurance carrier to report the damage and open a claim. Most Indiana policies require prompt notice of a loss, and some include specific deadlines, so check your policy and report as soon as possible. Evidence degrades, and secondary damage complicates the picture. Indiana insurers are generally required to acknowledge a claim within approximately 15 days, with a decision typically following within 30 days of the adjuster inspection, though policy terms vary.

Get an independent roofing inspection.
Before or alongside the adjuster visit, have a licensed local roofing contractor conduct their own inspection. A roofer can identify granule loss, damaged flashing, and compromised gutters or soffit that are easy to miss from the ground. Indiana homeowners aren’t required to use a contractor their insurer recommends. You have the right to choose any licensed contractor you trust.

Understand the supplement process.
If the adjuster’s estimate and the contractor’s findings don’t align, the contractor can submit a supplement with additional documentation requesting coverage for items the original estimate missed. Common gaps include drip edge replacement, code-required upgrades, and damaged gutters. The full process from storm event to completed roof replacement typically runs four to eight weeks, depending on adjuster scheduling, material availability, and claim complexity.

How We Support Your Roofing Insurance Claim

Our involvement starts well before installation begins. When you contact us after storm damage, we conduct a thorough inspection and prepare written documentation, including photos and a detailed assessment of what we find. We can be present during the adjuster’s visit to point out damage that might otherwise be overlooked, including granule loss, flashing issues, and damage to gutters or soffit.

When an initial insurance estimate doesn’t reflect the full scope of necessary work, we can file a supplement with supporting documentation. Items commonly missed in adjuster estimates include drip edge replacement, code-required upgrades, and ancillary damage to gutters or other components.

One thing to know going in: under Indiana law (IC 27-4-1-4.7), a roofing contractor cannot legally waive or absorb your deductible. Your policy requires you to pay it, and any contractor offering to cover it is operating outside the law. We explain this, along with all other cost and warranty details, clearly during the estimate process so there are no surprises before decisions are made.

As a GAF certified contractor, we install complete GAF roofing systems rather than swapping individual components, which means qualifying projects may be eligible for extended manufacturer warranties. We handle full tear-offs, installation, and cleanup, and project management stays internal throughout. No subcontractors, no handoffs.

Why Local Accountability Matters for Hammond Insurance Claims Work

After significant storms in Northwest Indiana, out-of-state roofing crews often move through the area, soliciting work door-to-door. These storm chasers may produce documentation that isn’t sufficient to support a claim, and once the job is done, they may not be reachable if problems surface later.

Indiana requires roofing contractors to carry general liability insurance and workers compensation coverage. Ask to see proof of both before signing anything. A local contractor with a verifiable business history, confirmed licensure, and local reviews can be a lower-risk choice for insurance claims work than a crew operating temporarily in the market.

Hobson & Scott has operated continuously in Hammond and the surrounding area since 2003 and was formally incorporated in 2005. Many of our customers are repeat clients or neighbor referrals, reflecting a local reputation built over more than two decades. Reviews on Google, Angi, and Yelp consistently reference clear communication and realistic timelines, both of which matter during a multi-week process involving your home, your insurer, and your contractor.

Schedule a Free Inspection for Your Hammond Home

If your roof has been damaged by wind, hail, or severe weather, early documentation is one of the most important steps you can take. We offer free inspections and estimates for homeowners in Hammond, Griffith, Crown Point, and Merrillville, and we can help you understand what your roof sustained before your adjuster arrives.

Contact Hobson & Scott at (219) 951-4510 or reach us through our online contact form to schedule your free roofing inspection.