Hail or wind? We’ll document your roof, gutters, siding, soft metals, windows, and property so you can decide with confidence. No pressure, no gimmicks, and never any deductible “rebates.”
PriceLock: You only pay your deductible on covered claims — insurer funds approved balance including eligible code upgrades. Serving Wichita and surrounding areas.
We visually inspect exterior surfaces and document damage with photos and notes you can share with your insurer.
We build a code‑compliant scope (no shortcuts) so you compare apples to apples. Scope beats price.
On covered claims you only pay your deductible; the carrier funds the approved balance (including eligible code upgrades).
Oh sure — the insurance company is going to be so generous and offer you what they call the ACV, or Actual Cash Value of your roof. Translation: “Here’s a few bucks for your 15-year-old shingles — good luck fixing it yourself.”
And of course, they’ll tell you to get multiple bids — not to help you, but to save themselves money. Meanwhile, you’re the one costing yourself a better roof by playing along.
Here’s the kicker — storm and hail damage are generally considered “Acts of God” under Kansas and Texas insurance laws. That means the damage isn’t your fault, and filing a claim for legitimate storm damage usually doesn’t raise your individual premiums. However, if a major storm hits your area, insurers may adjust rates for everyone in that region during renewal — it’s based on regional risk, not your single claim.
So why settle for a patch job when, for just your deductible, you could get a brand‑new roof with upgrades and full replacement coverage (RCV) — and still stay in good standing with your insurer? Yeah… sounds like an easy choice, doesn’t it?
Coverage, approvals, and any premium impacts depend on your policy and carrier. We comply with Kansas law and never waive or rebate deductibles.
Coverage depends on your policy and carrier approval. We never waive or rebate deductibles and we follow Kansas law.
| Scenario | Outcome |
|---|---|
| Pay out-of-pocket for an ACV repair/patch | May leave aged materials, limited warranty, possible code issues later. |
| RCV replacement (covered claim) | New roof to code and manufacturer spec; you pay deductible, insurer funds approved balance after completion. |
Always confirm policy details (e.g., Ordinance & Law coverage) and claim approvals before work begins.
Coverage depends on your policy, carrier approval, and claim scope. We comply with Kansas law and do not waive or rebate deductibles.
| Line Item | Included? | Notes |
|---|---|---|
| Tear-off & disposal | Yes / No | Dumpster/haul-off included? |
| Deck repairs (per sheet/lf) | Yes / No | Unit cost listed? |
| Underlayment (synthetic + I&W) | Yes / No | Where installed? |
| Starter/field/caps model | Yes / No | Brand & series listed? |
| Flashing (step/chimney/wall) | Yes / No | Replace vs reuse? |
| Drip edge & gutters interface | Yes / No | Color & gauge listed? |
| Ventilation (ridge/box) | Yes / No | Meets code/warranty? |
| Permit/registration/insurance | Yes / No | Proof attached? |
| Warranties (mfr/workmanship) | Yes / No | Length & coverage? |
It’s illegal in Kansas for a residential roofing contractor to advertise or promise to pay or rebate any part of your insurance deductible on a claim‑paid roof. If a contractor does this, your insurer isn’t obligated to consider that contractor’s estimate, and you (or your insurer) can take action for any damages caused by the violation.
Source: Kansas Residential Roofing Act (2011), Sec. 3 — deductible “rebating” prohibition and remedies. See the statute for exact wording.
Also: Kansas requires roofing contractors to be registered to provide roofing services in Kansas.
PriceLock: You only pay your deductible — allow your insurance to pay for approved work including eligible code‑required upgrades. No deductible rebates or waivers. Ever.
Coverage and upgrades depend on your policy (e.g., Ordinance & Law), carrier approval, and claim scope (ACV vs. RCV). We comply with Kansas law.
Lifetime labor warranty on our workmanship and a 50‑year manufacturer shingle warranty, transferable in the first 15 years.
We do not take shortcuts. We adhere to all manufacturer requirements and local codes on every install.
Why this matters in Kansas: We live in “storm alley.” If a discount roofer cuts corners or fails to follow manufacturer specifications, any later storm damage can lead to manufacturer warranty denials for repairs or replacement.
Warranty terms require proper product selection and registration per manufacturer program; ask us for full written details.
Q: Does filing a storm claim raise my rates?
A: Legitimate storm claims typically don’t raise your individual premium. After a major event, carriers may adjust rates regionally at renewal based on area‑wide risk.
Q: Can a roofer “cover” my deductible?
A: No. Kansas prohibits deductible rebates/waivers. It can also jeopardize claims and warranties.
Q: Why do some bids seem so low?
A: They often cut scope (fewer materials/steps) to hit a price. Always compare line items, not just totals.
Q: My carrier paid ACV only—now what?
A: After completion and invoice, carriers commonly release recoverable depreciation on RCV policies. Your deductible still applies.
Prefer email? Use the form to send your details — we’ll reply with scheduling options.
Policy coverage varies. Always review your policy and carrier approvals before work begins.
Call now for urgent help: (726) 336‑0333.
Free exterior visual inspection. We’ll call/text to schedule.
Need us fast? Tap to call (726) 336‑0333.