Storm damage · Hail · Wind
Denied, underpaid, or stalled? Most claim problems are documentation problems. We build the file your carrier needs to see — photos, measurements, NOAA storm history, and a line-item scope written the way adjusters write them.
Straight talk on deductibles: Missouri law requires you to pay yours. If a contractor offers to cover it, they are proposing insurance fraud — and putting your claim, and you, at risk.Nixa Roof Co
A denial letter is an opening position, not a verdict.
We build written second-look packets for homeowners whose claims were denied, underpaid, or left sitting. A packet includes NOAA hail and wind history for your address and date of loss, re-documented roof and elevation photos, a line-item comparison against the carrier's own estimate, and the specific items being disputed — in writing, so the carrier has to answer in writing.
If we look at your file and think the carrier got it right, we will tell you that too. It saves everyone a month.
It depends on how much of the roof is damaged and what your policy says. In Missouri, most homeowner policies cover hail and wind damage. If an adjuster finds enough hits per test square, the carrier typically pays to replace the slope or the roof rather than patch it. If the damage is isolated, they pay for a repair. We document the roof either way and give you the honest read — a repair does not become a replacement because it is easier to sell.
Age alone does not disqualify a roof. What matters is whether your policy pays replacement cost value (RCV) or actual cash value (ACV). With an RCV policy, a 20-year-old roof with covered damage still gets paid at replacement cost minus your deductible. With ACV, the carrier deducts depreciation and you cover the rest. Check the dwelling section of your policy, or send it to us and we will read it with you.
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.
We handle the parts a contractor should: photo documentation, a line-item estimate, meeting your adjuster on site, and filing supplements when the carrier's scope misses code items or real damage. You stay the policyholder and you make every decision — we just make sure the file is complete enough to be paid correctly.
A denial is not the end of it. Most denials we see come from an incomplete inspection or a missed date of loss. We pull NOAA hail and wind history for your address, re-document the roof, and put together a written packet the carrier has to respond to. Send us the denial letter and we will tell you honestly whether it is worth appealing.
Free inspection, honest scope, and a written estimate you can hand to your insurance company. No pressure, no sales theater.
