Insurance Resources

Missouri Roof Insurance: What Your Contractor Won't Tell You

Our team includes two former insurance claims adjusters. We've written down everything we know — so you can walk into your next claim with the same knowledge the insurance company has.

Two former insurance claims adjusters on staff — SMART Roof Plus, Springfield MO

Time-sensitive

Missouri Hail Claim Deadlines

Most Missouri homeowners don't know their policy has a claim deadline shorter than the law allows. Missing it can void coverage entirely.

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Coverage

RCV vs. ACV in Missouri

The difference between Replacement Cost Value and Actual Cash Value can mean thousands of dollars. Learn which coverage you have and how to collect the full amount.

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Claims

What Happens When the Adjuster Under-Scopes Your Loss

Under-scoping is one of the most common — and costly — problems in Missouri roof claims. Here's what gets missed and what you can do about it.

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Legal

Missouri Roof Insurance Statute of Limitations

Missouri law gives you 10 years to sue on a written contract. Your policy almost certainly gives you far less. Here's what actually controls your deadline.

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Claims