Insurance Claim Process

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Years Experience

Navigate Your Roof Damage Insurance Claim with Confidence

When a storm hits the Ozarks, know what to do! Dealing with damage to your home and roof can be stressful. Nav Restoration strives to relieve the stress of dealing with your insurance company for you. Our Storm Response Plan gives you a step-by-step plan to follow when dealing with storm damage and the insurance negotiation process.

Picture of a damage roof with missing shingles for NAV Restoration

Rule of Thumb

The prudent “rule of thumb” is to only file a claim with your insurance agent if the total of the repair estimate(s) exceeds twice [2 times] your policy deductible.

Contacting through Mail

The claims department should contact you by telephone or through the mail.


An adjuster will be assigned to inspect and evaluate the loss.

Itemized Explanation

The claims adjuster will provide you with a detailed and itemized explanation of your preliminary claim settlement including your deductible amount and any depreciation.

Inspection & Handling

Once you get the estimate from your claims adjuster, call Nav Restoration to review, compare inspection reports and handle negotiations on your behalf.

Insurance Claim Process:

Most homeowner policies grant coverage for full replacement cost provided the repairs are actually completed. In these cases, the depreciation is considered recoverable, and the final payment is made after your final receipts have been submitted and processed. (AKA you might not receive a check for the full amount initially; they will hold back money until you’ve completed the work to repair the damage.)

Worker installing standing seam metal roof panel for NAV Restoration

Why Choose Us

Nav Restoration Insurance Negotiations in the Greater Springfield, Mo area

Nav Restoration, your Ozarks roofing team, is skilled at insurance negotiations. If we identify damage to your roof or gutter system, we will provide a detailed estimate to complete the repairs. Once your insurance company has completed its inspection and provided a claim estimate, Nav Restoration offers free insurance claim process assistance. Our experienced insurance negotiators interpret the insurance documents for you and negotiate with your insurance company to ensure that they have properly assessed the damages. Nav Restoration has an impressive history of reversing negative insurance decisions and gaining higher settlements for our customers.

Picture of roof damage being marked for insurance
Finishing a standing seam metal roof installation for NAV Restoration

Understanding the Homeowners Insurance Claim Process

If a storm hits in your area and you feel your home has incurred damage, below are the steps to follow to file a claim and receive insurance money to repair or replace damages to your home:

Contact a competent roofing company to request an inspection. Reputable roofing companies will not charge for this service. Be sure the individual completing the inspection has experience working directly with insurance adjusters on storm-related matters.
If the roofing company identifies damage on your roof or gutter system, request a written estimate to complete the repairs.