Insurance restoration

Insurance Restoration in Kansas City —
Roof, Siding, Storm Damage.

Hail, wind, and storm damage repair coordinated with your insurance carrier. Honest scope. No deductible games. Documented per Missouri statute § 407.725 RSMo.

Free Storm Damage Inspection See the Claim Process

What we restore

Storm damage rarely respects trade boundaries. A single hail event can put roofing, siding, gutters, and exterior paint all on the same insurance claim — and the wrong way to handle it is calling four contractors and stitching them together. We coordinate the full restoration scope under one contract, scheduled in the right order, documented for your carrier as a single claim file.

Roofing — asphalt shingle (architectural, designer, three-tab) and metal. Tear-off, ice-and-water shield, synthetic underlayment, drip edge, ventilation, flashing, ridge cap. See the roofing service page for full scope detail.
Siding — vinyl, fiber cement, wood, and engineered wood. Hail-impact replacement, full elevation re-clads, weather-barrier and flashing detail per code. See the siding service page.
Gutters & downspouts — seamless aluminum, half-round, oversized 6-inch K-style for KC’s rain volume. Hail-impact replacement, hanger and pitch correction, splash-block placement.
Fencing — wind-blown panel and post replacement, gate rehang, full re-build on totaled sections. Wood, vinyl, and composite.
Exterior paint touch-ups — hail-stippled and chip-damaged paint, especially on west-facing elevations and trim. Match-to-existing or full repaint where the carrier scopes it.
Interior water damage — ceiling and wall repair from roof leaks, drywall replacement, paint, insulation replacement where saturated, and trim restoration. We do not do mold remediation directly — we coordinate with a licensed remediation firm if testing reveals it.
Skylights, vents, HVAC condenser fins — hail-damaged components that show up on most full storm claims.

The honest claim process — step by step

This is what working with us on an insurance-funded restoration actually looks like. Every step is documented. Nothing happens without your written approval. The goal is a clean claim file your carrier can audit at any time without surprises.

Step 1 — We assess the damage on-site. Free, no obligation, no pressure-sales pitch on the doorstep. We walk the roof, the elevations, the gutters, and the interior where you suspect leaks. We tell you honestly whether we see damage worth filing on. If we don’t, we say so — filing a claim that gets denied still counts against your loss history with the carrier.
Step 2 — We document with photos and measurements for YOUR claim file. Modern measurement and pricing tools (Hover or in-person measure) produce a written report with elevation photos, hail-impact mapping where applicable, and quantities. The report is yours. You can hand it to your carrier whether or not you hire us for the work.
Step 3 — You file the claim with YOUR insurance carrier. We do not file on your behalf — that is a regulated activity in Missouri. We provide our scope-of-loss as a contractor estimate that your adjuster can compare against their own. We are happy to attend the adjuster’s on-site inspection if you want a contractor present (totally appropriate practice). We document and identify; we do not negotiate.
Step 4 — The carrier issues an ACV / RCV check, we coordinate scheduling. Once you have a written scope of loss and an Actual Cash Value check from your insurer, we sign a contract tied to that scope. Work proceeds at the scope your insurer approved. If tear-off uncovers damage or code requirements that weren’t in the original scope, we file a documented supplement before installing.
Step 5 — We invoice you, insurance reimburses you per their schedule. You pay your deductible plus the contracted draws on our schedule. Your carrier releases the depreciation portion (RCV minus ACV) as a second check on substantial completion. The deductible is yours to pay in full — we do not absorb it, rebate it, or hide it as a discount on the invoice.

What we will NOT do — § 407.725 RSMo

Missouri statute § 407.725 RSMo regulates how residential contractors can handle insurance-claim work. The honest version of that statute, in plain language, is what we operate by. There are four things we will never do, regardless of how stressful the situation is or how much you ask:

We do not negotiate with your insurance company on your behalf. That is a regulated activity in Missouri and a function of a licensed public adjuster — not a general contractor. We document and provide a contractor scope-of-loss; the negotiation between scope items, depreciation, and payment stays between you and your carrier.
We do not absorb, rebate, or "eat" your deductible. Offering to waive a homeowner’s deductible on insurance-claim residential roofing work is explicitly illegal under § 407.725 RSMo. It exposes the contractor to license revocation and the homeowner to insurance fraud liability. Anyone offering this is asking you to commit fraud. We will not, and we recommend against working with anyone who will.
We do not act as your public adjuster. A public adjuster requires a separate Missouri license and operates as your representative against the carrier. We are your contractor — we build the work to your insurer’s approved scope, document supplements honestly, and stay out of the carrier negotiation. If you need a public adjuster, we can refer you to licensed ones; we cannot be one.
You retain the right to use any contractor of your choice. Even if we did the inspection, even if we attended the adjuster meeting, even if we filed a supplement on documentation we produced — you can use any contractor you want for the work. We earn the job by being the best fit for your project, not by locking you into a contingency contract on the doorstep. If you decide to use someone else, the inspection is still yours, the report is still yours, and there are no cancellation fees.

What to expect on timeline

The standard KC hailstorm claim cycle, from storm event to completed work, runs 2 to 8 weeks total — though it can stretch longer after a major metro-wide event when adjuster availability and contractor backlog both spike.

Days 0–3 post-storm — you notice damage (granule loss in gutters, dings on flashings, shingle bruising) or a contractor walk identifies it. Document the storm date and any visible damage with photos.
Days 3–14 — claim filing window. Most carriers want claims within a year of the date of loss; some shorten that to 6 or 9 months. Don’t rush, but don’t indefinitely delay either — subsequent storms muddy the picture and adjuster availability is best in the first 4 to 8 weeks.
Weeks 1–2 — adjuster site inspection. Your insurer assigns an adjuster (staff or independent) who walks the property, photographs damage, and produces a written scope of loss. We can attend if you want a contractor present.
Weeks 1–3 — claim approval and ACV check. Your insurer issues an Actual Cash Value check (replacement cost minus depreciation, minus your deductible) within days to weeks of the adjuster visit.
Weeks 2–8 — work scheduling. Depending on storm volume in the metro, contractor backlog can be days to a couple of months. We give you a written start window before signing.
Days 1–7 of work — tear-off, install, dry-in for a typical roof. Siding and gutter work add days depending on scope.
Weeks 1–4 post-completion — depreciation release. Your insurer issues the RCV (recoverable depreciation) check on substantial completion and certificate-of-completion submission.

After major named hailstorms in KC, the back end of this timeline can stretch significantly. The 2017 and 2020 hail seasons triggered metro-wide replacement waves that pushed adjuster visits 6 to 8 weeks out and contractor schedules 2 to 4 months out. Filing your claim early in a storm cycle improves your position on both.

Hailstorm specifics — KC market

Kansas City sits in "Hail Alley." Kansas alone reports roughly 419 hailstorms a year. The KC hail season runs April through September, with the peak risk in May and June. Most KC roofs that get replaced after a hail event sustained damage from a storm with stones 1.5 inches or larger — the size where shingle bruising becomes severe enough that insurers and manufacturers consider the roof functionally damaged.

How insurance pays out depends on your policy:

Replacement Cost Value (RCV) policies pay you the full cost of replacement, minus your deductible — but in two checks. The first check is the ACV (replacement cost minus depreciation). The second check (the depreciation portion) is released on substantial completion. You out-of-pocket your deductible plus any approved supplements until the depreciation is released.
Actual Cash Value (ACV) policies pay only the depreciated value of the damaged components, minus your deductible. There is no recoverable depreciation. On older roofs, the ACV check can be significantly less than the cost of a new roof, and you out-of-pocket the difference.
Percentage deductibles — KC homeowner policies often use a percentage deductible (1% to 5%) of dwelling coverage rather than a flat dollar amount. On a $400,000 dwelling, a 2% deductible is $8,000. Check your declarations page.
Roof-age limits and matching clauses — some carriers in hail-prone regions limit coverage on roofs over a certain age, or restrict matching of replacement materials to existing. Read your policy.

For deeper homeowner education on hail damage and the claim process, the KC hailstorm roof damage insurance guide on our blog walks through it in detail — including how to spot a storm-chaser scam, the supplement process, and what to look for during the adjuster meeting.

Why customers pick Tessera for insurance restoration

You hear back fast. Documented inspection within 24 hours, not three weeks.
The inspection report is yours — whether or not you hire us for the work.
Insurance-claim work is documented, not negotiated. We respect Missouri statute. We do not absorb deductibles.
Multi-trade scope coordination under one contract — roofing, siding, gutters, paint, interior repair scheduled in the right order.
Code work is included by default, not bolted on as a supplement surprise.
Supplements filed properly with photos and documentation when tear-off uncovers hidden damage.
The schedule is written down. If we slip, you hear about it the same day.

Insurance restoration FAQ

What homeowners ask us most after a storm.

My deductible is high. Can you reduce it, waive it, or "work it into the scope"?

No — and any contractor who offers to is asking you to commit insurance fraud. Under Missouri statute § 407.725 RSMo, a residential roofer cannot absorb, rebate, or waive your homeowner’s deductible on insurance-claim work. The deductible exists to keep insurance honest; pretending it doesn’t is a felony exposure for both contractor and homeowner. Your deductible is your deductible, and you pay it as written. We can talk about financing the deductible portion through a third-party lender if cash flow is the concern, but we cannot make the deductible disappear.

What happens if my insurance carrier underprices the claim?

It happens, especially with carriers who use desktop adjusters or low-volume software estimates. The right response is a documented supplement — we provide photos and a written contractor scope-of-loss showing the items and quantities your insurer’s scope missed (commonly: ice-and-water shield, drip edge, ventilation, hidden decking damage discovered at tear-off, code-required upgrades). Your carrier either approves and pays, or denies. If denied, you and we decide together — in writing, before any extra material is installed — whether the work is necessary at your additional cost or whether the scope stays as approved. We do not negotiate the supplement on your behalf; we document, and you and your insurer reach the decision.

Can I delay the repair until after my policy renews?

You can choose when work happens, but you cannot indefinitely. Most KC homeowner policies require completion within a year of the date of loss to recover the depreciation portion (the RCV minus ACV check). Some carriers shorten that window to 6 months. Delaying can also create secondary damage — bruised shingles fail in months to a couple of years, and an unrepaired roof can produce interior water damage that becomes a separate claim with its own deductible. Read your policy. If timing is genuinely a concern, we can usually schedule within your policy window and coordinate the timing with your carrier.

What about damage discovered mid-job that wasn’t in the original scope?

Tear-off is when we find the truth about decking, flashing, and substrate condition. If we uncover damage that wasn’t visible at the original adjuster meeting (cracked decking, rotted fascia, failed step flashing, hidden hail bruising under removed shingles), we stop, document with photos, and file a supplement with your insurer before installing. The supplement either gets approved (insurer pays the additional scope) or denied. We do not bury surprise costs in the final invoice. Every change is in writing before the work happens.

Does Tessera offer financing for the deductible portion?

We do not lend money directly, but we can refer you to third-party home-improvement lenders if your deductible is large and cash flow is tight. The financing is between you and the lender; the loan funds your deductible payment to us, and you repay the lender on their schedule. This is different from us absorbing the deductible — you still owe the full deductible amount, you’re just paying it over time to a lender instead of in a lump sum to us.

Can I get a free inspection before I file my claim?

Yes. We strongly recommend a documented contractor inspection before you call your insurer. A photo-and-report inspection costs nothing in time but gives you a baseline that can support a real claim if damage exists, or talks you out of filing a claim that won’t be covered. Filing a claim that gets denied still counts against your loss history with the carrier — better to know what you have before you file. We will tell you honestly if we don’t see damage worth filing on.

Do I have to use Tessera once you do the inspection?

No. Under Missouri statute and basic homeowner rights, you can choose any contractor for the work — or no contractor at all. We earn the job by being the best fit for your project, not by locking you into a contingency contract on the doorstep. If our inspection convinces you to file a claim and you decide to use someone else, the inspection is still free, the report is still yours, and there are no cancellation fees.

Next step

Storm damage? Start with a documented inspection.

Send the property details and we will be back within 24 hours with a written assessment — not a doorstep sales pitch. Free, no obligation, no contingency contract.

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Insurance Restoration in Kansas City —Roof, Siding, Storm Damage.