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Insurance guides

Every The Roofers Guide guide tagged insurance. Practical, vetted, written for homeowners hiring a roofer rather than for search engines.

Licensing

Missouri roofing contractor rules: no state license, and the two laws that protect you instead

Missouri issues no statewide roofing license, so the checks that matter are local. The city-by-city picture in Kansas City, Springfield, Joplin, and St. Louis, plus the deductible law and the five-business-day cancellation right in every storm contract.

9 min read
Materials

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).

11 min read
Insurance

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.

9 min read
Hiring

How to hire a roofer: the checks that actually predict a good job

The single most predictive signal is local presence under the same name for multiple years. Here is the full list of checks, in the order to run them, and the answers to listen for.

12 min read
Hiring

Questions to ask a roofing contractor (and the answers to listen for)

The disqualifying questions, the scope-clarifying questions, the insurance-claim questions, and the red-flag answers that should end a call. In the order to ask them.

9 min read
Scams

Roofing scams after a storm: the red flags that always show up first

The patterns out-of-state storm-chasers use to pressure homeowners after hail and tornado events: how to spot them in the first 60 seconds.

7 min read