How we help
- Inspection: we document the damage with dated photos.
- An honest opinion: we'll tell you whether a claim looks worthwhile.
- You file: you open the claim with your insurer.
- Adjuster meeting: we meet the adjuster on the roof so nothing is missed.
- Roofing details: we provide measurements, photos and estimates.
- Your new roof: once approved, we schedule the work and provide completion paperwork.
Our role: We're roofers, not public adjusters. Your claim is between you and your insurance company. We make sure the roofing facts are complete and accurate.
Common terms
- Deductible: what you pay before coverage applies
- Actual cash value: the depreciated value, sometimes paid first
- Recoverable depreciation: often released after the work is completed
- Supplements: items found during the job, like damaged decking, submitted for review
Your policy decides how these apply. Your agent can explain the specifics.
Common questions
Do you negotiate my claim?
No. In Missouri, only a licensed public adjuster or attorney can negotiate a claim on your behalf. We provide accurate documentation and meet your adjuster.
Can I upgrade my roof during a claim?
Usually. Insurance typically pays for a comparable roof, and you pay the difference for an upgrade such as Class 4 shingles, designer shingles or stone coated steel.
What will I pay out of pocket?
Typically your deductible plus any upgrades you choose. Your policy determines the rest.