CJS Roofing, St. Louis roof Insurance Claims Adjustments, and You
My roof has been damaged. Who should I call and when?
The average homeowner rarely has to file storm-damage claims. It's not something we're taught in school. When you find yourself in this situation, the process can feel overwhelming. But with a roofer you trust at your side, it doesn't have to be.
- First call a roofing company (preferably the one who installed the roof, but any reputable roofer will do). They will walk you through every step and help you understand your deductible, documents, and timeline.
- Then call your insurance company. Set up a time for the claims adjuster to come out and inspect.
- It’s often helpful to have your roofer present when the adjuster arrives. Some adjusters prefer they’re not there, but a seasoned roofing team can make sure nothing gets missed—without creating conflict.
- Experienced roofers know how to work with the professionals who handle St. Louis roof insurance claims adjustments and can line up measurements, materials, and damage details to help minimize your out-of-pocket costs.
- The right roofing company will also verify transparency by sending their General Liability and Worker’s Comp certificates with every bid—so you know exactly who’s on your property and why.
Accidents and natural disasters happen to us all. There’s no controlling the weather, but we can help you through the insurance maze! At CJS Roofing, we take pride in how we assist our customers as they navigate the process with insurance companies and St. Louis roof insurance claims adjustments. Our insurance management separates us from the competition.
At CJS Roofing, we leverage our extensive knowledge of the insurance industry to ensure you receive the best service from your adjuster and from us. We line up our measurements and costs to minimize your out-of-pocket expenses.
We have the experience necessary to help you deal with St. Louis roof insurance claims adjustments, which can be critical in the outcome of your claim and out-of-pocket expenses. Our company knows that insurance management is vital to the outcome our clients need. And we know how to help make the process go as smoothly as possible, and we make sure your insurance company pays for everything that it says it will in the policy.
We know that filing a claim for storm or accident damage is a rare event for most homeowners. That’s why we’re here to help you understand your deductibles and file the actual claim. We help you get the documentation right, and can assist you with all the steps of filing your claim. In short, we put our extensive insurance expertise to work for you.
The first step is to call your insurance company to file a claim. Make sure you tell them you have wind and hail damage, not just hail damage. They’ll take all your info, and the adjuster will usually take over from there, contacting you within a few days. When it comes to insurance management and achieving the best outcome, we feel it is essential for the property owner to take control of their claim on the front end. Knowing where your money goes and what is being done is critical. When the adjuster comes to evaluate your property, they will probably notice all damage on your property, such as air conditioner fins being bent, gutters, and damaged paint/siding on your house. They’ll walk on the roof for a close inspection, looking for signs of hail damage.
We often recommend having us there to speak with the adjuster. As we describe below, the process of identifying what qualifies as hail damage can be tricky. Adjusters mostly prefer that you NOT have a roofer present. After all, who wants someone double-checking their work, slowing them down with questions, or challenging their findings? However, we are well-versed in the claims process, having experience in this area since 1992. Therefore, we work patiently and courteously with the adjuster to ensure you receive the assessment you deserve. Some companies lean hard on adjusters to achieve the outcome they want. Still, we take a different approach, as we don’t want to damage the relationship between you and your insurance carrier. We have a strong reputation for being fair and honest. In the end, it’s your house and your choice to have a roofer present during the adjuster’s inspection.
Our insurance professionals will walk you through every step of the process of filing a claim and maintain an open and transparent dialogue as we help with St. Louis roof insurance claims adjustments. We work closely with you, from auditing the claim to closing it out, making sure you receive all the money coming to you.
In order to ensure the element of transparency is maintained, we send out General Liability and Worker’s Compensation insurance certificates for verification and proof with every bid. If you have any questions throughout the process, we are more than happy to clarify any details.
To learn more about our insurance management services, contact us today!
Phone: 636-349-5225
Email: cjsroofing1@gmail.com
The Companies that Handle St. Louis Roof Insurance Claims Adjustments Aren't There to Protect You.
We Are! The Proof Is In Our Roof!
Insurance Claims FAQs
Do you work with insurance?
Yes, we do. We have a strong relationship with many insurance agent offices due to our honesty. And it starts there. Many, many agents refer their clients to us over and over, so they know that when we show up at a home, we provide accurate, honest information. We don’t tell homeowners to file claims until we know they have checked with their agents and understand all the details of filing a claim. Today, it is important to know your coverage is full and your deductible amount, to ensure it is in your best interest to file a claim. We have a knowledgeable department that handles every step.
Will you file the claim for us and handle everything?
We will always advise the homeowner to file the claim and stay in the driver’s seat. This is your property and home, and we want you to be educated and on top of your claim. Once you get the paperwork, we will help with everything else. From start to finish, we engage with your insurance adjuster. If need be, we follow the paperwork to keep you lined up financially, and we close out your claims so that all you have to do is wait for your depreciation checks if applicable. Any communication with your insurance company, you are copied. Again, we want you in the driver’s seat.
Do you meet with the adjuster when they come out?
We can, if it is necessary. After three-plus decades in this business, we have a good relationship with most adjusters. And they’ve told us they are fine without meeting a roofer. They really don’t need the roofers dictating or watching their every move. They are hired to look at your property as a whole, and not just your roof. Given the space and time without interruptions, they can be more thorough. If the owner is out of town or really doesn’t feel comfortable on their own, we can make time. We coordinate all of this through our office between the adjuster and our staff.
So much is changing with how insurance pays for roofs. Are you well-versed in these?
Yes, we study as much as we can. We learn from insurance company agents, online seminars from manufacturers, and homeowners. We know how to guide a customer to identify their best avenue and even whether filing a claim is in their best interest. In some cases, after helping our customers do the match, we find that paying for their own roof is their best option. Not all hail dings compromise the roof performance, and we have to keep that in mind.
How do you see insurance changing as it pertains to roofs?
CJS is finding that there are tons of new weather issues. Many of these can affect your roof. The new business model of many roofing companies, of sending out people to canvas neighborhoods and create a frenzy, is bombarding the insurance companies with claims. Even if the information provided to homeowners is incorrect, insurance companies have to send out adjusters. These events are driving insurance premiums for all of us. Insurance has responded by changing deductibles, how many years they cover roofs in full, removing metal coverage (since that is always cosmetic), and, in most cases, providing partial roofs if damage is limited to one specific area. With all of this in mind, you are always better off calling your actual insurance agent's office or calling a company to verify “door knocker” information. But remember, if you signed anything during your canvas call, you are locked into it and will not be able to choose your own roofing contractor for installation.
CONTACT US
636-349-5225
