How We Help With Your Claim
A roof insurance claim can feel like a lot: inspections, phone calls, adjusters, estimates and paperwork. Our job is to take the roofing side off your plate and make sure nothing gets missed.
- Free roof inspection. We look over the whole roof and take dated photos of any hail or wind damage.
- An honest opinion. We'll tell you whether the damage looks like it's worth a claim. If it isn't, we'll say so.
- You file the claim. You contact your insurance company and open the claim. We can tell you what information is helpful to have ready.
- We meet your adjuster. We're on the roof during the adjuster's inspection to point out the damage we found, so nothing gets overlooked.
- Roofing details and estimates. We provide accurate measurements, photos and roofing information to support the claim.
- Your new roof. Once the claim is approved, we schedule the work and provide the completion paperwork your insurer needs.
What we don't do: We're roofers, not public adjusters. Under Missouri law, only a licensed public adjuster or attorney can negotiate a claim for you. Your claim is between you and your insurance company. We make sure the roofing facts are complete and accurate.
Understanding Your Insurance Payments
Many homeowners are surprised to receive more than one check from their insurer. Policies differ, but common terms include:
- Deductible: the amount you pay before insurance pays its share.
- Actual cash value (ACV): what the damaged roof was worth after depreciation. Some insurers pay this first.
- Recoverable depreciation: on many replacement cost policies, the rest is released after the work is completed and documented.
- Supplements: if items are found during the job that weren't in the original estimate, such as damaged decking, they can be submitted to your insurer for review.
Your policy decides how this works for you. If you're unsure, call your agent and we'll help with the roofing details.
Upgrading During a Claim
Insurance typically pays to replace your roof with a comparable one. If you'd like something better, such as designer shingles or stone coated steel, you can usually pay the difference and get a roof that holds up better to the next storm.
Questions to Ask Any Roofer
- Are you local, and will you be around for warranty work?
- Do you carry liability and workers' compensation insurance?
- Will I get a written contract before work starts?
- Who will meet my adjuster?
Common Questions
Do you work for me or for the insurance company?
We work for you. We're your roofing contractor. Your insurance company makes its own coverage decisions. We help by documenting damage, meeting the adjuster and providing roofing details and estimates.
Can you negotiate my claim for me?
No. In Missouri, only a licensed public adjuster or attorney can negotiate a claim on your behalf. What we can do is make sure the adjuster sees all of the roof damage and has accurate roofing information to work with.
What if my claim is denied?
Sometimes damage is missed. If we believe there was real storm damage, we can share our photos and findings, and you can ask your insurer about a re-inspection. You can also talk to a licensed public adjuster or attorney about your options.
Will filing a claim raise my rates?
It depends on your insurer and policy. Your insurance agent is the best person to ask. We'll give you an honest read on the damage so you can make an informed decision.
How much will I pay out of pocket?
Typically your deductible, plus the cost of any upgrades you choose beyond what insurance covers. Your policy and claim decide the rest.