Claims guides
Every The Roofers Guide guide tagged claims. Practical, vetted, written for homeowners hiring a roofer rather than for search engines.
Missouri hail claim deadlines: the clocks your insurer has to meet, and what to do when one runs out
Missouri regulation puts your insurer on a clock. Ten working days to acknowledge a hail claim, thirty days to investigate, fifteen working days to accept or deny in writing, and a letter every forty-five days if it drags. How to use those clocks in Joplin and Springfield.
Class 4 impact-resistant shingles: which SKUs qualify, which insurers discount, and what it costs
The five Class 4 shingles homeowners actually see on bids, the UL 2218 test that defines the rating, and the state-by-state insurance discount table (Alabama 35 to 55 percent, Mississippi MWUA 20 to 30 percent).
ACV vs RCV on a roof claim: which one you have, and what the gap costs you
ACV pays you what the roof was worth depreciated. RCV pays for a new roof, eventually. Here is which one you have, how to read the dec page, and the 180-day recoverable-depreciation clock that doubles the settlement.