Roofing FAQ's
Confused About Insurance & Roofing? We’ve Got You Covered.
Dealing with roof damage, insurance claims, and choosing the right contractor can feel overwhelming—but it doesn’t have to be. At Big Chief Roofing, we’ve helped hundreds of homeowners in the Ozarks get new roofs with minimal hassle and maximum insurance coverage.
Below, you’ll find clear, honest answers to the most common questions about costs, insurance, installation, and why we’re the best choice for your home—so you can move forward with confidence and peace of mind.
Insurance Covers Your Roof
Stress-Free, Fast Installation
Serving Southwest Missouri & Northwest Arkansas
Trusted by Over 350 Homeowners in the Ozarks
Insurance & Pricing Questions
Understanding insurance claims and roof replacement costs can feel overwhelming. We’re here to make the process simple and stress-free. Below, you’ll find clear answers about insurance coverage, claim approvals, out-of-pocket costs, and financing options—so you know exactly what to expect.
Will my insurance cover a new roof?
Yes! 81% of the roofs we inspect qualify for coverage, but many homeowners don’t realize that waiting too long to file a claim could leave them paying out-of-pocket. Our team has a 93% success rate in getting insurance claims approved, and we handle the entire process for you—so you get the best possible coverage with zero hassle.
My insurance already denied my claim—can anything be done?
Yes! Many claims are denied due to incomplete inspections or adjusters missing damage. We’ve had multiple cases where we provided additional evidence and got denied claims reversed and fully approved. If your claim was denied, let us review it for free—you may still qualify for coverage.
How much will my new roof cost?
If insurance covers your roof, your only out-of-pocket cost is your deductible. If you’re paying out of pocket, we provide transparent pricing with financing options available. The cost depends on factors like roof size, materials, and complexity, but we’ll give you an honest, upfront estimate with no surprises.
I can’t afford my deductible—what are my options?
We offer flexible financing to help cover deductibles, and in some cases, insurance companies can adjust the payout to reduce your out-of-pocket cost. We’ll walk you through your options so you can get a new roof without financial stress.
Roof Replacement Process
Wondering what happens once your claim is approved? Our expert team ensures a fast, high-quality roof replacement with minimal disruption to your home. Here’s everything you need to know about timelines, materials, installation, and what to expect before, during, and after your new roof is installed.
How long does the roof replacement process take?
Most of our roof replacements are completed in just 1-2 days. We don’t leave projects half-finished for weeks like some companies. Our Tamko-certified team ensures a fast, high-quality installation with minimal disruption to your home.
Do I need to be home during the roof replacement?
No, you don’t! We’ll handle everything and keep you updated with live photo and video updates through our CompanyCam app. That way, you can see exactly what’s happening—even if you’re not there.
Will my yard be a mess after the installation?
Not at all! Our crew takes extra care to protect your property, and we do a full cleanup with powerful magnetic sweepers to ensure no nails or debris are left behind.
What kind of roofing materials do you use?
We use high-quality, hail-resistant shingles that are built to last like Tamko Titan XT and Tamko StormFighter Flex. Many of our shingles even qualify for insurance discounts, helping you save money on premiums.
Warranty & Workmanship
Your roof is a long-term investment, and we stand behind our work 100%. Our warranties provide you with peace of mind, ensuring that your home is protected for years to come. Here’s what you need to know about our industry-leading Lifetime Workmanship Guarantee and manufacturer warranties.
Do you offer a workmanship warranty?
Yes! Unlike most companies that walk away after installation, we back our work with a Lifetime Money-Back Workmanship Guarantee. If anything goes wrong due to installation, we’ll fix it or refund you—no questions asked.
Do the shingles come with a manufacturer’s warranty?
Yes! Our shingles come with industry-leading lifetime manufacturer warranties, so you get double the protection—ours and the manufacturer’s.
Inspections & Insurance Claims
Many homeowners don’t realize that roof damage isn’t always visible from the ground—or that insurance deadlines can put coverage at risk. Our free roof inspections give you a complete picture of your roof’s condition and ensure you don’t miss out on insurance benefits. Here’s how we make the claims process easy.
I already had another roofer inspect my roof, and they said it was fine. Should I still get a second opinion?
Absolutely. Not all roofers specialize in storm damage and insurance claims. We’ve found hidden damage on many roofs that other contractors missed—leading to full replacements paid for by insurance. Our FREE roof inspection ensures you get a second opinion from a true expert.
Will filing a roof claim raise my insurance rates?
In most cases, no. Insurance companies base rates on area-wide storm damage, not individual claims. That means if a storm affected your neighborhood, rates may go up whether you file a claim or not. The real risk is not filing and paying out-of-pocket later.
How soon should I get my roof inspected after a storm?
Immediately! Most insurance policies have a deadline for filing claims, and waiting too long could cost you thousands. Even if your roof looks fine, storm damage isn’t always visible from the ground. Our FREE inspection ensures you don’t miss your window for coverage.
Trust & Reputation
We know that choosing a roofing contractor is a big decision. With so many companies out there, how do you know who to trust? At Big Chief Roofing, we’re a family-owned business based in the Ozarks, a proven track record, and hundreds of satisfied customers. Here’s what makes us different.
How do I know you’re a trustworthy roofing company?
We understand your concerns—there are a lot of storm chasers and unreliable contractors out there. Here’s what makes us different:
- Local & Family-Owned – We’re based in the Ozarks, with physical showrooms and deep community ties.
- Licensed & Insured – We’re fully licensed, insured, and Tamko-certified for your protection.
- Transparent Process – We provide live photo & video updates, so you see everything we see.
- Hundreds of Happy Customers – We’ve helped over 350 homeowners get insurance-covered roof replacements with zero stress.
I don’t trust door knockers. How do I know you’re different?
We get it—many homeowners are rightfully cautious about who they trust. Unlike storm chasers, we are a legitimate, local company with physical locations in the Ozarks. You can visit one of our showrooms, check our references, and see our list of satisfied customer reviews.
Getting Started
Ready to move forward but not sure what the first step is? We make it easy to schedule a free, no-obligation roof inspection and guide you through the process from start to finish. Here’s how to get started with Big Chief Roofing today.
How do I schedule a free roof inspection?
It’s easy! Just click below to book your FREE, no-obligation inspection. Our experts will assess your roof, provide a detailed photo & video report, and guide you through the insurance claim process—so you can make an informed decision with zero pressure and zero risk.