Storms are inevitable but they don’t have to be life shattering. We specialize in assisting homeowners and business owners with storm restoration and repairs in the St. Louis region.
When storm damage occurs, it’s not always noticed by the homeowner or business owner. In fact, in can take a year or two before leaks resulting from a wind or hail storm appear, resulting in damage to your home’s interior. At Innovative, we know the importance of getting the damage assessed and repaired, and we’re here to help you through the process. Our team of storm restoration specialists will inspect the damage and assist with all roof repairs and roof replacements.
Call us at 314-546-4047 to schedule an appointment for a free, no obligation inspection.
We make the process easy
If you’ve never filed an insurance claim, we understand it can often be confusing. Having worked with most insurance companies in the St. Louis area, our roofing teams are up to speed on the insurance industry standards relating to wind and hail damage. They will provide an assessment of the condition of your roof, gutters, windows, doors siding – in terms you can understand.
We will meet with your insurance adjuster and make sure that you get everything you deserve. Our expertise comes from working with a wide array of insurance adjusters; enabling a broad understanding of certifiable damage and coverage parameters.
When working with the Innovative storm restoration team, you will enjoy peace of mind knowing a few things about us:
- We are fully accredited with the BBB
- We have more 5-star reviews than any other roofing contractor on yp.com.
- We are fully insured and licensed
- We have full bonding capabilities
- We will never ask you to pay upfront for any repairs or replacements until the work is completed.
What if Your Roof Isn’t Leaking?
While the repair or replacement may not be an immediate emergency, it can become one very quickly. First, some of the most important things to understand about hail damage in St. Louis and the claims process:
- Hail damage may not be visible from the ground (unless you live in a neighborhood where the hail broke through the plywood decking or broke out skylights). You’ll need a professional inspection to find out if your home is damaged.
- Your insurance company should pay for everything, but there’s a time limit on the claims process. If you miss the deadline, you’re stuck with an old roof the minute time expires.
- Most homes can be re-roofed in 1 to 2 days.
- Make sure you understand how you will pay your deductible before you sign with anyone. There are a few things you should know about insurance fraud.
- The paperwork you receive from your insurance company includes an estimate for roof repairs. If the estimate isn’t enough to replace your roof, don’t worry. It’s only an estimate, not a final insurance settlement.
- Insurance companies cannot cancel your policy or raise your rates for weather related claims. However, when you’re involved in a catastrophe, your insurance company may raise rates on everyone impacted in order to stay in business.
In a storm environment, with rising material and labor costs, it may also be necessary to request a supplemental, or a supplemental claim, in order to cover these increases in price. When a supplemental claim is paid, your insurance company will agree to issue a third check beyond the original claim to help your contractor cover the increased cost of the job. This check will be made out to the homeowner, but sometimes it will require the signature of your mortgage company too.
A few final thoughts on your insurance claim paperwork and your deductible:
- If you have homeowners insurance, your roof is covered.
- There are two primary types of policies: Replacement Cost Value and Actual Cost Value. Every policy has a deductible.
- The deductible is the portion of your claim that is not covered by your insurance company.
- You are responsible for your deductible which will be a specific amount ($500, $1000, $2000 etc.), or a percentage of your home value (usually 1% to 2%).
- After the adjuster has been out to your home, it typically takes around two weeks to receive a check.
- If your estimate for roof replacement is less than your insurance (first check = actual cost value plus second check = depreciation), you cannot keep the money.
- You may be committing insurance fraud if you submit an invoice for insurance replacement work that is inflated.
With most policies, there are four key terms you’ll need to learn
- Actual Cash Value: Typically The Amount Of Your First Check From Your Carrier
- Depreciation: Typically The Amount Of Your Second Check From Your Insurance Carrier
- Replacement Cash Value: Your ACV Plus Depreciation
- Deductible: The amount of your claim that you are responsible to pay.