The Importance of Prompt and Proper Insurance Claims

The Importance of Prompt and Proper Insurance Claims

Filing Roofing insurance claims in Kansas City, MO area can be a frustrating experience.

Most people, ever trustful, rely solely on the information provided by their insurance provider. But this is a huge mistake. Your insurance provider has a vested interest in saving money. Their goal is to limit or deny your claim. Don’t fall for their tricks. By following these important steps, you’ll ensure an accepted claim and save yourself a lot of frustration.

What to do after the Storm

Do not wait to file a claim.
Your insurance company may tell you that you have up to 1 year to file a claim. But this is a misleading business practice. The longer you wait to file a claim, the more likely they are to deny it.

The next step is to mitigate damages. You must—I repeat, must!—mitigate the damages. That means, as a homeowner, it’s your legal responsibility to limit any damage done. This is crucial with roof damage because insurance companies will use any excuse they can to deny the costly repairs of interior damage.

If you’re unaware with how to mitigate damages, give us a call. (The insurance company will reimburse you for any work that we do, just save the receipt!)

What if the Damage Happened in the Past?

Living in Missouri, we’re prone to hailstorms. If your roof suffers hail damage but it doesn’t start leaking immediately, you can still file a claim up to 5 years in the future. Check with your insurance company for specific details.

Please take note: If your insurance company denies your claim for past damages, websites like provide hailstorm reports for up to 10 years in the past. These are very effective tools in proving your claim and fighting against insurance companies.

My Claim was Accepted, Now What?

Once your claim is accepted, don’t wait too long. When you get the money, hire a contractor as soon as possible. If the damage gets any worse, your insurance company will deny paying for the extra damages.

By following these simple steps, you’ll protect yourself—and your family—against the deceptive business practices of insurance companies.

Feel free to Contact Collins Roofing if you have any questions about your coverage and how we could help.

We are based in Independence, MO and provide roofing and claim related services to most of Jackson and Johnson County.

We just used Collins Guaranteed Roofing, and we are very happy we chose them! Due to hail we needed a new roof, so we called a couple companies. Out of the three companies we called Collins Roofing was the only company to keep their appointment and were willing to meet with our insurance adjuster.

Jim W.Kansas City, MO

They are amazing! Came out very quickly after my call, and even came out again to meet with the insurance adjuster as well gave me a great price. I had several issues with my house that kept pushing their part back and they were very understanding and helpful in getting me in contact with contractors to help me get other issues resolved too.

Trina CooperKansas City, MO

They did a great job. They were on time, the clean up was excellent, and I would definitely use them again.

Steve F.Kansas City, MO

After I had my roof put on, I had a slight leakage around one of the pipes. I called them and he came out that same day and replaced the seal. I haven't had any issues since. They stand behind their warranty even years later.

Cherrie C.Kansas City, MO

We have used them for twenty-five years and three generations. They did my roof, my dad's roof, and my son's roof. We have never had an issue and are very satisfied with their work.

HomeownerKansas City, MO

They were great. I was so happy. I would recommend them to everyone. I was very happy with the finished product!

Aaron made a difficult insurance process seem simple. The work was done on time and they did a great job of protecting my landscaping as well as cleaning up. I would definitely recommend!

Naomi W.Independence, MO

This was a flat roof replacement. Aaron explained how the job would be done. He was always prompt. We are pleased with the work and would call on him again.

Barbara M.Kansas City, MO

Made the call in the morning had someone out that afternoon. Very helpful and explained all the issues in detail. Was very quick but thorough.

Daniel RBlue Springs, MO

I hired Collins roofing to work on my roof and a second job of my gutters. They showed up on time and did a great job with the work and the clean up. I would recommend this company to anyone and would use them again in the future. I am very happy with the choice I made and the work that was done.

Kerry D.Independence, MO
Call Today! (816) 252-3088
8900 US 24 HWY Independence, MO 64053