Insurance Claims
Your Insurance Company Has a Team of Experts.
Now So Do You.
Most homeowners file a storm damage claim once or twice in their lives. Insurance companies process hundreds every week. Our team has worked inside the industry. We know what adjusters look for, how claims get minimized, and exactly what it takes to get your home everything it is owed.
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(816) 866-4235Why It Matters Who Inspects Your Roof
Most roofers look at your roof. We look at it the way an adjuster does.
When an insurance adjuster gets on your roof, they are not just looking for obvious damage. They are looking for specific indicators. Hail strike size and density, granule displacement patterns, soft metal impacts on pipe boots and flashing, ridge cap condition. Each of those details affects whether your claim gets fully approved or quietly reduced.
Our team has been on the other side of that process. We have written those estimates. We know which line items get cut first, which damage categories are hardest to dispute, and exactly how a claim needs to be documented to hold up. When we inspect your roof we are building a file that an adjuster cannot easily dismiss. That is a fundamentally different kind of inspection than what most roofing contractors provide.
Even if you already have another roofer looking at your home, it is worth a second opinion from our team. We have found significant damage that other inspections missed. That second look costs you nothing and could be the difference between a partial claim and a full one.
If we tell you to file a claim, we are going to get it approved. That is not a sales pitch. That is how we work.
Get Your Free InspectionThe Claims Process
What working with RSG Construction actually looks like.
Most homeowners have never filed a storm damage claim. Here is every step in plain language with nothing left out.
Call Us Before You Call Your Insurance Company
This matters more than most homeowners realize. Once you file a claim the insurance company clock starts and an adjuster gets assigned. We want to inspect your roof first so we know exactly what is there before anyone else does. That way we are not reacting to their estimate. We are arriving at the adjuster meeting with our own documentation already in hand.
Free Manual Inspection
A member of our team physically gets on your roof. No drones, no satellite imagery. We inspect every slope, every elevation, every piece of soft metal. We document hail strikes, measure impact density, check flashing and ventilation, and assess siding and gutters in the same visit. The documentation we build is what gets your claim approved at full value.
You File Your Claim
Once our inspection is complete and you decide to move forward, you contact your insurance company and file. We walk you through exactly what to say. Keep it specific to the storm event and the damage we documented. Do not speculate beyond what we have found.
We Are Present at the Adjuster Meeting
This is where most homeowners lose thousands of dollars without ever knowing it. The adjuster arrives, walks the roof, and hands you a number. If we are not there you have no way to know what got missed or minimized. When we are present we walk the roof alongside the adjuster, reference our own documentation, and make sure every damage area is part of the scope. We have seen adjusters try to approve half a roof on a job that clearly needed a full replacement. We do not let that stand unchallenged.
We Review the Estimate With You
When the insurance company issues their estimate we go through it line by line. If the scope is complete and the numbers are fair we move forward. If items are missing, improperly depreciated, or the line items do not reflect actual material and labor costs we address it. A supplement or reinspection request is a normal part of the process and we handle it. The first estimate is not always the final answer.
Installation, Second Check, and Warranty
Once the claim is approved we schedule installation. Quality materials, experienced crews, typically one day. Your insurance company releases the withheld depreciation as a second check when the work is complete. We walk you through the final billing so you know exactly where every dollar went. Your workmanship warranty begins the day we finish.
Know Your Policy
ACV or RCV. It is the difference between a partial check and a full one.
ACV: Actual Cash Value
What your roof is worth now.
ACV policies depreciate your roof based on age and condition. You receive what the insurance company decides your old roof was worth, not what it costs to replace it. A 15-year-old roof may only pay out a fraction of actual replacement cost.
Many homeowners do not realize their policy has shifted to ACV until they file a claim. By then it is too late to change it. If your roof is approaching 15 years, the time to act on a legitimate claim is now, not later.
RCV: Replacement Cost Value
What it actually costs to replace it.
RCV policies pay to replace your roof at today's material and labor costs. The insurance company withholds a depreciation amount initially, then releases it as a second check once the work is completed. That second check is real money that many homeowners do not know to expect.
Understanding which policy you have before the adjuster arrives changes everything about how you approach the inspection and the estimate review. We help you understand it before you make any decisions.
Not sure which type of policy you have? Call us before you call your insurance company. (816) 866-4235
Setting Expectations
Honest about what we do.
Honest about what we do not.
What RSG Construction Does
Inspect your full exterior manually before the adjuster arrives
Document damage in the format insurance claims require
Be present at the adjuster meeting to make sure nothing gets missed
Review the insurance estimate line by line and identify gaps
File supplements and request reinspections when the scope is incomplete
Install quality materials with experienced crews
Back every installation with a workmanship warranty
Tell you honestly if the damage does not support a claim
What RSG Construction Does Not Do
File the claim on your behalf. That is your relationship with your insurance company
Waive your deductible. This is insurance fraud and no legitimate contractor does it
Use drones or satellite imaging as a substitute for a real inspection
Recommend a claim when the damage does not support one
Inflate estimates with line items that do not belong
Hand you a soft number and add costs after the job is done
When the storm passes
the claim process starts.
The decisions made in the first 48 hours affect what your insurance company owes you. Call us before you call anyone else.
Common Questions
Everything homeowners ask about storm damage claims.
Call a roofer first. Once you file a claim the insurance company's process starts and an adjuster gets assigned. You want your own inspection documentation in hand before that adjuster ever gets on your roof. We inspect first, document everything, and then you file with a clear picture of what your home is owed.
Where We Work
Serving KC Northland homeowners across 16 cities.
We handle storm damage insurance claims for homeowners across Clay, Platte, DeKalb, Ray, and Clinton Counties. Missouri licensed only.
West and South
Storm damage is confusing enough.
The claim process does not have to be.
Call us before you call your insurance company. We will inspect your home, tell you honestly what we find, and walk you through exactly what your claim should look like. Free. No obligation. No pressure.
(816) 866-4235 · Smithville, Missouri · Missouri Licensed and Insured