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RESIDENTIAL ROOFING

We can solve any of your roofing problems. From new construction to a complete tear off and new roof, we have you covered.

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COMMERCIAL ROOFING

Our team of commercial roofing experts will help you to make the best decision regarding the repair or replacement of your roof.

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INSURANCE RESTORATION

Do you need Insurance Restoration because of your property has accidental damage or natural disaster that was caused by fire, hail, storm, or water

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From concept to creation

Roofing is all about attention to detail, and this begins with appropriate expertise with all types of roofing

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Setting the standard of quality

Only use the highest quality materials on the market.

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Masters of consistency

Consistency is a big part of roofing and choosing a service that prides itself on this matters.

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Fast construction you can count on

Don't want the roofing project to linger for too long.

HAPPY CUSTOMERS

Very professional company. Staff are kind and caring. The roofers were very organized and respectful of our property.

Cindy

Great service. Prompt arrival to inspect, estimate and perform the work. Highly recommended. Thank you.

Jim

Excellent work installing a brand new roof on my home. Everyone I met was very nice, the workers were professional and efficient.

Susan

Had a peak and roof done. They came out and got it all done in one day very impressed.

Richard

Was professionally installed in a timely manner representatives were knowledgeable on all aspects.

Marthin

Fast service, They gave me pointers on things we need to touch up to protect our roof. Thank you

Ann

Ofallon MO Insurance Renovation Contractors

Insurance Restoration For Hail Damage: Understanding The Process

 

Hail damage is a rough thing, especially when it comes to insurance. Almost everyone knows that hail is responsible for millions of dollars in total property damage each and every year, but many people don’t know that hail damage can often fly under the radar. While you’re going to notice cracked windshields or baseball size hail damage, there are many harder to see damages that aren’t as easy to locate. For example, unseen wear or damage that wears out the roof. Many of these roofs are damaged but since it’s not obvious, they’re not replace, and that will cause increasing damage and issue over time.

Many times insurance will cover the full roof replacement including gutters and siding, but only if you file the claim quickly within the proper claim period.

So how does the process work?

 

Step #1: The Initial Homeowner Inspection

This is the first inspection, the one that you do yourself. Look for dents, scratches, damage, anything at all that has resulted from recent hail. This can be everything from damaged flower pots and lawn furniture to dents or damage in the gutters and more. If in doubt, put it down. You need to record everything at the beginning.

 

Step #2: Contractor Inspection

While the initial home inspection is important, following that up with a roofing contractor in Ofallon Missouri is crucial. Contact us Roofing in Gratitude a professional company  you can trust to help with the insurance purposes.

 

Step #3: File Your Claim

This often needs to be done within a limited amount of time after the disaster. Have the information you need not only from your inspection but also the contractor’s and contact your provider. Often this will require going through an agent and making a formal request in writing – which may include a formal estimate (another reason you need a professional eye on things).

 

Step #4: Insurance Adjustment

This is where insurance companies send out professionals (called adjusters) who look to verify the damage reported before approving the claim. When you are informed of a meeting, you will want the roofer who did the estimate on hand that way if there are disagreements or questions, they can hash it out to get your best interests covered.

 

Step #5: Receive The Insurance Estimate Report

This is a formal estimate report given to you by the company which is in detail and describes the amount they think it will take for repairs to be done and how much they are willing to cover. This is a crucial report that you need so you can provide it for your contractor so they know exactly what they’re working with.

 

Step #6: Make a Deal with the Contractor

At this point the ball moves into the contractor’s hands. You will want the roofing contractor to get to work taking care of the damage and restoring your property back to its pre-hail condition. Once the work is done you can pay the contractor with the money from the insurance company although your deductible will be an out of pocket expense that you will need to cover on your own.

 

Step #7: Wrapping Up the Claim

We will not only work off the estimates, but if there are additional costs or expenses they will help petition the insurance company to let them know. The majority of the time these extra costs are approved without issue by the insurance company.

While hail damage can certainly be frustrating, a good insurance policy, trusted contractor, and understanding the basic process can help you to see things through without any issues!

Contact us today with any questions or concerns!