Planning, Budgeting & Insurance Claims for your Missouri Roof Repair

Getting your roof replaced or even just repaired is no small undertaking.  From planning, budgeting and even possibly dealing with an insurance claim it can all seem overwhelming. Our staff at CoMo Premium Exteriors will help guide you through the process and alleviate as much of the stress as possible.

First Steps in Planning, Budgeting & Insurance Claims

The first step in any roofing project is an inspection to determine if your roofing situation requires submitting a claim to insurance for damage or if the damage will be an out of pocket expense for you personally. An expert inspection can also help determine the extent of the damage and the likelihood of insurance approving storm related damage to the roof. A homeowner is always welcome to file a claim, but we can save you time by checking out your roof and letting you know if it is likely that most insurance issued by the top roofing contractor insurance companies would cover the damage based on our many years of experience.  Many of the largest insurance agents in the area contact CoMo Premium Exteriors on behalf of their insureds and have us do an inspection prior to contacting the adjuster.  Based on these relationships and our experience we are able to determine the best course of action for your roof damage and provide recommendations on how to best proceed.  Most homeowners even have us meet with their adjuster after our initial inspection, should we find enough damage to warrant a claim.

Budgeting & Financing Options

Once you’ve had your roof inspected and determined if this is an insurance claim or an out of pocket expense you can start budgeting and setting the details of your roof repair or replacement. In cases of hail damage, an insurance company will typically cover the full roof repair if the inspection shows damage to the majority of the roof slopes. When you know what insurance will cover you can start making decisions on what materials you want. For repairs we will match your existing shingles as closely as possible, but for full replacements there are dozens of color options and profiles at many price points.  Even if insurance is paying to replace your roof, you have the option to upgrade your shingles and pay the difference out of pocket if you like.

Homeowner’s will also be responsible for covering the cost of roof replacements in instances when a roof is being replaced for reasons not related to storm damage, such as poor workmanship or old age. It is still important to complete these repairs quickly so that you do not get leaks or further deterioration to your home, so many homeowners will dip into their savings to complete these repairs. If this isn’t the route you want to take, CoMo Premium Exteriors also offers very competitive financing with payment plans from 12 months to up to 10 years. A third option for financing your roof is home equity lines of credit from your bank.

Scheduling your Repair or Replacement

When it comes to planning for your repair, most projects can be done quickly— a full roof replacement can typically be completed in one day. However, wait times for your repair will vary depending on if there were recent storms in the area. When storms hit an area it is important to contact CoMo Premium Exteriors as soon as possible for an inspection since availability of both material and labor becomes hard to get very quickly, which can push the repair out for several months.  However, in non-storm time most roofs can be scheduled for replacement or repair within 2 weeks of signing the contract.  Regardless, once you recognize storm or other damage to your roof it’s best to call quickly to get an inspection and get resolution.

When scheduling your Missouri roof repair or replacement you also want to keep in mind the season. Generally roofing can be done year-round but there are times when the temperature gets too cold and stays too cold for roofing work to be completed. Such extremely cold periods are typically short in Missouri; however, it can vary year to year.  The best seasons for scheduling your roof repair work is during summer, fall or spring.

Preparing for the Crew

In preparation of your work crew’s arrival, we will provide homeowners with a list of how to prepare your home. The most basic step is to move valuables and breakables, such as garden ornaments or bird baths, away from the perimeter of the home to give crews access to your home and to protect them from falling debris being removed from your roof. We also ask that homeowners move cars out of the driveway and away from the home so that they do not get blocked in by work trucks.

For roof repair or replacement in mid-Missouri, contact CoMo Premium Exteriors today.