Insurance Claims

Many homeowners are unsure about what their insurance policy covers when it comes to roof damage. The two primary types of policies that apply to roof damage include:

1. Replacement Cost Value (RCV) Policies – These cover the full cost of replacing the damaged roof, minus the deductible.
2. Actual Cash Value (ACV) Policies— These take depreciation into account, meaning you’ll receive a lower payout based on your roof’s age and condition.

What Types of Roof Damage Are Typically Covered by Insurance?

Insurance policies generally cover damage caused by:

• Severe storms—Wind, rain, and other storm-related damage.
• Hail damage—Dents, bruising, and cracks caused by hailstorms.
• Wind damage—Shingles blown off, torn flashing, or missing roofing materials.
• Fallen debris—Trees, branches, or other objects causing impact damage.
• Fire or smoke damage—Resulting from external fires or electrical malfunctions.

What’s NOT Covered? Insurance typically does not cover normal wear and tear, improper installation, or lack of maintenance. That’s why regular inspections and repairs are essential for maintaining your policy’s validity.

At Ozark Mountain Roofing, we handle every step of the insurance claim process for you, ensuring that your claim is properly filed, documented, and approved. Here’s how our step-by-step insurance assistance process works:

1. Free Roof Inspection & Damage Assessment

We start by conducting a detailed roof inspection to assess the extent of the damage. Our team documents everything with photos, videos, and written assessments to provide solid evidence for your claim.

2. Assistance with Filing Your Insurance Claim

Once we confirm that your damage qualifies for insurance coverage, we assist you with filing your claim properly. This includes:

• Helping you understand your policy and coverage.
• Ensuring the claim is submitted with accurate and thorough documentation.
• Avoiding common mistakes that could lead to claim denial.

3. Meeting with the Insurance Adjuster

Your insurance company will send an adjuster to inspect the damage. We recommend having a professional roofing contractor (like us!) present to ensure:

• The adjuster accurately assesses the full scope of the damage.
• All damage is properly documented and not overlooked.
• You receive a fair and accurate settlement.

4. Reviewing Your Insurance Estimate

Once the adjuster submits their report, your insurance company will provide an estimate of the repair or replacement costs. We will:

• Review the estimate for accuracy.
• Identify discrepancies (if the insurance company has underestimated the cost of repairs).
• Negotiate with your insurer if additional repairs are necessary.

5. Completing the Roof Repair or Replacement

After your claim is approved, our expert team at Ozark Mountain Roofing will restore your roof to its pre-damage condition. We:

• Use high-quality materials that meet or exceed your previous roof’s specifications.
• Work efficiently and professionally to complete repairs as quickly as possible.
• Ensure all work is done according to local building codes and manufacturer guidelines.

6. Final Inspection & Insurance Payout Assistance

Once the work is complete, we:

• Perform a final quality inspection to ensure everything meets our standards.
• Assist with any final paperwork needed for your insurance company.
• Make sure you receive the full payout you’re entitled to.

At Ozark Mountain Roofing, we’ve helped hundreds of homeowners navigate the insurance claims process with ease. Here’s why we’re the best choice for handling your insurance claim:

Experienced Insurance Claims Experts

We understand the complexities of the insurance process and know how to maximize claim approvals.

Detailed Documentation & Advocacy

We provide your insurance company with all necessary documentation to ensure fair claim approval.

Fast & Hassle-Free Service

We take care of the entire process, saving you time and stress.

Quality Workmanship & Materials

Our roofing repairs and replacements are done using top-tier materials and expert craftsmanship.

Honest, Transparent Communication

We keep you informed every step of the way, ensuring no hidden costs or surprises.

Local & Trusted Roofing Company

As a locally owned business, we are committed to helping our community recover from roof damage efficiently.

Q: How long does the insurance claim process take?
A: It varies, but typically, the entire process—from inspection to claim approval to roof repair—can take 2-6 weeks, depending on your insurance company.

Q: What if my claim is denied?
A: If your claim is unfairly denied, we can help you file an appeal, provide additional evidence, and negotiate with your insurer to reconsider their decision.

Q: Can I choose my roofing contractor for repairs?
A: Yes! You are not required to use your insurance company’s preferred contractor. You are entitled to choose Ozark Mountain Roofing to handle your repairs.

Q: Will my insurance premium go up if I file a claim?
A: Often storm damage claims do not affect individual policy rates, but it’s best to check with your provider.

Q: What if my roof is old? Will insurance still cover it?
A: If your roof was in excellent condition before the storm, your policy should still cover damages. However, actual cash value policies may factor in depreciation for older roofs.

Don’t let the insurance claims process overwhelm you! If your roof has been damaged and you need expert guidance, Ozark Mountain Roofing is here to help. From the first inspection to the last roof replacement, we handle everything so you can focus on your home and family.

Call us at 479-271-8187 or Schedule a Free Roof Inspection Online today!

Ozark Mountain Roofing—Trusted Partner in Roof Insurance Claims Assistance