How Roof Insurance Claims Work in Missouri, Step by Step

Most homeowners only deal with a roof claim once or twice in their life, so it is normal not to know how it works. Here is the process we walk families through every week.

1. Get a free inspection first

Before you call your insurance company, have a roofer look at the roof. We complete a detailed inspection and give you a high definition digital analysis of any damage, with photos. That way you know whether you have a claim before you file one.

2. File the claim

If there is storm damage, you file the claim with your insurance company. We help you understand what to say and what to expect. Your insurance company will assign an adjuster to inspect the roof.

3. Meet the adjuster on site

This is the step that matters most. The adjuster works for the insurance company. We meet them at your home on your behalf, climb the roof with them, show them every bit of damage we found, and make sure all parts of the roofing system are included: not only the shingles, but the vents, flashing, ridge caps and gutters too.

4. Read the estimate together

Your insurance company sends a summary that lists the replacement cost value, any depreciation held back, and your deductible. These numbers can be confusing, so we go through every line with you. Depreciation that is held back at first is often recoverable once the work is done, depending on your policy.

5. The build

Once the claim is approved, we schedule your roof, order your GAF materials and install the complete system with a project manager on site. Most homes are done in one to two days.

6. Final paperwork and payment

We handle the paperwork with your insurance company and send clear, transparent billing. Many homeowners only pay their deductible, but every policy is different, so we always explain yours before any work starts.

Questions?

Call 417-834-8765 or request a free inspection. We are happy to walk you through your policy, even if you are not sure you have damage.