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R&A Contracting - FAQ commercial roof insurance claims

When it comes to insurance claims on your commercial roof, business owners have a lot of questions.

If your business’ building roof needs repair, there can be a lot of uncertainty. It’s helpful to know how an insurance claims process works, but you may have other questions. Here are some of most common questions and concerns that business owners have when it comes to filing a claim:

If my roof leaks, will my insurance cover it?

If your roof leaks because of accidental or storm-related damage, your insurance should cover it. If it’s because your roof is old and needed repairs but you didn’t fix it, your insurance may not cover your loss. It’s best to check with our R&A Contracting team about our free on-site, no obligation inspections to make sure your roof is healthy and strong.

If my roof is damaged, do I call my insurance company or a roofing contractor first?

Your first call should be to a roofing contractor. A good roofing contractor can help you determine whether your roof is in need of minor repair, or if it truly needs replacement. You don’t want to file an insurance claim unless it’s needed.

How do I get an inspection on my commercial roof?

Most roofing contractors provide free on-site inspections. Double-check their credentials, workmen’s compensation, and liability insurance before letting any contractor on your roof. A good roofing contractor can help you see the location and extent of any damage.

Do I need to call my insurance agent before making a claim on my roof?

No, you don’t need to call them. Your roofing contractor can provide you with directions on how to directly file a claim with your insurance provider. If you do file a claim with your insurance, it will affect your insurance agent’s ratings with their company. If you talk with your agent before filing a claim, they may try to dissuade you from filing.

Who can I trust to provide the best commercial roofing in St. Louis?

R&A Contracting. We’re St. Louis’ leading commercial roofing contractor. If you have questions or concerns, we’re here to serve you.

I’d be an idiot if I did not take this opportunity to communicate to you how much we appreciate the way in which you conduct business and take care of our facility. In my experience you, and your team, are at the top of the list of all the roofing companies I’ve dealt with over the years. Thank you!

Jim Lowry - Bissinger's Handcrafted Chocolatier

Eric and crew were really nice to have around. They were courteous, careful and caused little if any disruption. Their work looks good too! To be honest… a good experience with a product that I initially had misgivings about. I’m a convert because of Bubba, Sam and Eric. Thank you.

Jim Lowry - Bissinger's Handcrafted Chocolatier

“I want to thank the crew at R&A for a job well done on our very leaky roof at the shop. It is certainly nice to have the drips and rivers gone from the shop when it is raining. I also wanted you to know how much we appreciated that the guys were able to stay out of our way and allowed us to do business as usual without any problems or interruptions. The roof looks great and the clean-up after the job made it so we couldn’t even tell you’d been here. Thanks for doing what you do so well!”

Jay Moore, President of Safe Way Tire and Auto Center

“My wife and I were on vacation when water pipes burst in our house. We got a hold of Craig and the R&A crew was able to start evacuating the water immediately. The best part was that they were able to start work before we even returned home. It was a very fast turnaround considering the extensive amount of water damage.”

Will from Dardenne Prairie, MO

“Craig and Mike came out in a timely fashion when we needed the work done. They did a reliable and quality job.”

Jerry from SLR Properties

“Craig helped us out tremendously with the insurance process. Timely and very professional.”

Lindell from Greater Missouri Builders (GMB)

“We purchased a house and there was some damage to the roof. Very impressed with the thoroughness of Mike’s inspection. Very comfortable with their explanation of what needed to be fixed. Most impressive was the way they protected our landscaping. Really liked the way they treated me as a valued customer, even though it was only a small project.”

Ross from Troy, MO

“I use R&A Contracting when my commercial roofs receive storm damage. They work on our behalf through every step of the insurance claim process. They perform all of the work and complete the insurance process, making our roofs better than they were before the storm.”

Director of Facilities for a large Property Management Company

“The team at R & A Contracting responded immediately when notified of our water disaster. They removed water-damaged materials and property quickly and restored our home even before the final settlement from our insurance company. They minimized how long our family had to live in a hotel and got us back to normal as fast as possible.”

Will from O'Fallon, MO