Complete tear-off, done in a day
When a roof is past repair, the only honest answer is to replace it properly — full tear-off to the deck, new underlayment, and shingles installed to the manufacturer's nailing pattern so the warranty actually holds.
One crew, one day for a typical Ozarks house, and a yard you would let a kid run barefoot through when we leave.
Insurance job or cash job, you get the same scope. The difference is only who writes the check.

| Tear-off | Complete, down to the decking, all layers |
|---|---|
| Decking | Inspected; damaged sheathing replaced and photographed |
| Underlayment | Synthetic across the field; ice-and-water in valleys and at penetrations |
| Shingles | Architectural (dimensional) shingles, manufacturer nailing pattern |
| Metals | New drip edge at eaves and rakes, new pipe boots, new step and counter flashing as needed |
| Ventilation | Intake and exhaust balanced; ridge or box vents as the roof requires |
| Cleanup | Magnetic sweep of the property, debris hauled the same day |
| Paperwork | Line-item estimate, photo documentation, and warranty details in writing |
A typical Ozarks house is one day for tear-off and install, plus a cleanup pass. Bigger or steeper roofs, or homes with multiple layers, run two days. Weather is the only wildcard, and we would rather move a start date than dry-in a roof we cannot finish.
Yes. On an insurance-funded roof, your deductible is your part of the job — that is the law in Missouri, and any contractor who offers to "eat" or "waive" it is asking you to take part in insurance fraud. We will never do that, and you should not hire anyone who will.
Yes — licensed and insured, and we carry the certificates to prove it. Ask for them before you sign anything, with us or with anyone else.
Free inspection, honest scope, and a written estimate you can hand to your insurance company. No pressure, no sales theater.