Frequently Asked Questions
1. What kind of work do you perform?
High & Dry Restoration is a full-service general contractor specializing in restoration projects, such as roofing, siding, painting, decks, gutters, and more. We are certified insurance claims specialists, as well. If your restoration project is the result of storm damage, we can work with and advocate for you to get the very most out of your claim.
2. Is High & Dry Restoration licensed and insured?
Yes, we are licensed and bonded as a general contractor and carry full general liability insurance.
3. How much does a new roof cost?
Every roof is unique and each roof has many components, including the size and pitch of the roof, how many stories the home is, what type of shingle you are using, etc. High & Dry Restoration offers free, no-obligation inspections and provides custom quotes for each project.
4. Do you offer financing?
Yes, we do offer financing for qualified individuals through our banking partners.
5. Who will work with us throughout our project?
We assign a Project Manager for each project. He or she will work directly with homeowners to guide you throughout the process, to help you make your design selections, to provide you with progress reports, and to answer questions. Your Project Manager acts as the liaison between you and our crews and is responsible for coordination and communication along the way. You will also be supported by our project management software and app via our Customer Portal. Whether from a mobile device or desktop, you can access your project, send messages to your Project Manager, and view photos and project documents.
6. What areas do you service?
High & Dry Restoration services the greater Indianapolis, Indiana area, specifically: Hamilton, Marion and Hancock counties.
7. How do I know if my home has storm damage?
If there has been a recent storm and you suspect storm damage to your property, contact HD Restoration to schedule a free, no-obligation inspection. If we determine that there is sufficient damage to file an insurance claim, we will work with you and the insurance adjuster to get as much for your claim as possible. If your insurance policy does not cover storm damage, we will provide a free quote for services.
8. Does an inspection cost money?
High & Dry Restoration never charges for a home inspection. We want to help you understand the condition of your property and options available to you so that you can make an informed decision before you initiate a project.
9. What type of insurance restoration do you perform?
Much of our insurance restoration work is related to weather events, sometimes referred to as "Acts of God." Hail, wind, or lightning are considered "Acts of God" under many homeowners insurance policies and can cause significant damage to your home. High & Dry Restoration performs a full-scope of projects affected by these weather events, including but not limited to: roofing, siding, decking, gutters, painting, trim work, window screen replacement, garage doors, metal flashing, and chimney caps.
10. How do I submit an insurance claim?
Whether or not your home is insured against an "Act of God" depends on the disaster and your policy’s writing. The team of inspectors with High & Dry Restoration specializes in identifying and qualifying damage, and working with insurance adjusters on your behalf to get your claim approved.
If we determine that there is sufficient damage for a claim, we will guide you through the process of contacting your insurance company with details from our inspection. The insurance company will then send an insurance adjuster to your home, and his or her findings will affect whether the claim is approved. High & Dry Restoration will coordinate with you and the insurance adjuster on the adjuster meeting so that we can be on-site to represent you. Because we will have already performed our inspection, including photos of damage across the property, we can advocate for you and ensure that all damage is accurately and fairly reported.
11. What insurance companies do you work with?
HD Restoration is a preferred vendor for several insurance companies, including State Farm, Liberty Mutual, SafeCo, USAA, Westfield Insurance, Travelers, Allstate, and Farmers.
12. How quickly must a claim be submitted after a storm?
With most insurance companies, there is a 12-month statute of limitations from the date of the storm to report damage to your insurance company.
13. What happens if our insurance claim is denied?
If your insurance company denies your claim, we can initiate a re-inspect with your agent and the inside desk adjuster. If the insurance adjuster who inspected your property didn't provide good photos or cover areas of damage that we saw during our initial inspection, we can require them to come back out for a second look that often results in the claim getting approved.
14. What if I already have an insurance claim?
If you already have an approved claim, High & Dry Restoration would appreciate your consideration and the opportunity to be your general contractor of choice. We would perform our standard inspection, review your claim, and provide an estimate for performing the work outlined by your claim.