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Certified installers for leading shingle and metal manufacturers.
Most jobs are completed in just 1-2 days from start to final clean.
Comprehensive claim assistance including roof assessments.
Active support lines and emergency crews stationed across NWA.
Navigating home insurance claims can be stressful. Ramos Roofing Plus provides professional support throughout the claims process, helping you secure the coverage you are entitled to under your policy.
We provide itemized damage reports complete with high-resolution photo evidence. We also meet on-site with your insurance adjuster, walking the roof to point out hail bruises, wind creases, and code-required items (such as drip edges and valley wraps) that might otherwise be missed.
We work to ensure your claim covers all necessary materials to restore your roof's integrity, without any surprise out-of-pocket costs.
We assist you by performing a free, detailed storm damage inspection and compiling a report with photos. We provide a line-item estimate matching insurance standards. We also meet your insurance adjuster on-site to walk the roof and ensure all damage is documented.
Standard homeowner's policies typically do not increase individual rates for filing a claim due to natural storm events (Acts of God). However, rates can rise regionally after major storm events. Filing a claim ensures you get the funds needed to repair your roof before leaks occur.
An ACV (Actual Cash Value) policy pays the depreciated value of your roof based on its age. An RCV (Replacement Cost Value) policy pays the actual cost to replace your roof today. Under an RCV policy, the insurer releases depreciation funds once the roof is replaced.
If your claim is denied or underpaid, we can help. We will review the adjuster's report, compare it with our photo evidence, and identify any missed items. We can assist you in requesting a re-inspection from your insurer, providing the documentation needed to dispute the decision.
Most insurance policies require you to file a claim within 1 year (12 months) of the storm date. Some policies allow up to 2 years, but filing early is critical. Waiting can cause minor damage to leak, leading to structural rot or mold that insurance may refuse to cover.
Yes, you can use your insurance claim funds to upgrade your roofing system. You pay the difference between the insurance payout for the standard shingles and the cost of the premium metal or Class 4 shingles. Upgrading is highly cost-effective during a replacement.
Adjusters can miss less obvious damage, such as hail bruising on shingles or loose flashing. Having an experienced roofer on-site ensures all storm damage is documented and discussed, preventing underpayments and ensuring a fair claim settlement.
Your deductible is the portion of the claim cost that you are responsible for paying out-of-pocket. Legally, homeowners must pay their deductible. We provide clear, itemized billing to ensure your claim is processed transparently and legally with your insurer.
We provide a comprehensive digital report including high-resolution photos of storm damage, a count of storm hits in standard test squares, an assessment of soft metals and gutters, and a detailed, line-item estimate matching insurance guidelines.
Simply call us at (479) 652-1424 to schedule a free inspection. We will evaluate your roof's condition, document any storm damage, and guide you through the process of contacting your insurer to file the claim.
Know someone in Fort Smith, NWA, or Eastern Oklahoma who needs a new roof or siding? Refer them to Ramos Roofing. Once their roof replacement is completed, we'll write you a check!