Roofing Insurance Claim Facts


There are a lot of myths surrounding roofing insurance claims. A lot of these arise out of speculation and from the different procedures followed by different insurance agencies. We work closely with your insurance agent to help navigate your insurance claim as easily as possible. Recently, we’ve worked on a lot of repair jobs in our St Louis, Columbus, Nashville, and Cincinnati roofing offices, though we have repair divisions and emergency 24/7 crews in all of our markets.

Myth: I looked at my roof and didn’t see any problems!

Fact: That’s good news. But ultimately, your roof needs to be physically inspected by a professional roofing agent who can determine if there is actual hail damage. Insurance companies generally have highly trained adjusters that can determine if your roof has damage and needs repaired. Additionally, we are Bone Dry Roofing undergo frequent training so that we can also properly inspect a roof. You should have this done after a hail storm, even if damage may not be immediately evident.

Myth: I’m not missing any shingles so I must not have damage.

Fact: Missing shingles are related to wind damage claims and can happen during any time of storm with high winds. However, hail damage can be harder to see and may not physically cause leakage for years after the storm.

Myth: I was told my roof has minimal or very little damage and therefor I don’t need to file a claim.

Fact: If your roof has any damage what-so-ever you have a valid insurance claim and should file with your insurance company. Damage might not cause your roof to leak for years. This is why it’s important to have a qualified person inspect your roof.

Myth: I only have 1 year to file my insurance claim.

Fact: That might be true. You should check with your individual insurance provider. Typically, you will have longer than a year if it’s a fairly widespread storm. It’s also possible your insurance company could provide a shorter time period. Hopefully we’re able to clear up some of these uncertainties about filing your roofing insurance claim. If you ever receive any damage or suspect your roof could have received damage, call Bone Dry to come give a thorough inspection of your roof. Or, contact your insurance company, who we will happily work with to repair your roof.




With free inspections and estimates, simply submit a Free Quote request to get started.

Free Estimates & Inspections

Take advantage of these great offers from Bone Dry! With free inspections and estimates, simply submit the form to get started!


$500 OFF Full Roof Replacement*

For Military Members, Military Veterans, Senior Citizens, First Responders, Teachers and Healthcare Professionals

*Can not be combined with any other offer or prior estimates/projects. Single family residential homes only. Not valid on insurance claims.


10% OFF Any Repair*

*Can not be combined with any other offer or prior estimates and projects. Single family residential homes only. Not valid on insurance claims.

Customers Served


Our team members live and work in the communities we serve, understanding the unique needs faced by the area’s residents. As members of the community ourselves, we are not just service providers; we are neighbors dedicated to improving the comfort, safety, and security of your home.





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We had Bone Dry do masonry, roofing & gutter for us. Everyone we dealt with was professional, polite & on time. We were actually amazed how fast they did the roof & it looked great. Actually everything looked great
Debra B.
The experience of working with all of the folks at Bone Dry Roofing was top notch. Detailed photos and videos were provided for the initial inspection of the roof and then multiple photos were provided throughout the installation. I live in another state and was very well pleased working with them long distance. They made it very easy and stress free. The shingle roof - and all new decking - was replaced in less than 7 hours. Other teams of theirs will be back to replace the b pipe and the gutters next week.
Liz B.
AJ Snow and his crew did a fantastic job. I got pictures and text throughout the project until completion. Will always use Bone Dry Roofing. That are very good and do great work!
Michael D.
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