Claims

Pay Less, Make More

Don't face big insurances alone without the help of Copio's experts.

You could end up with a fraction of the coverage you deserve.

Frequently Asked Questions

Should I Make My Claim Now?
If you had hail in your neighborhood, call Copio Construction! We want to be present when the adjuster comes out to do his/her inspection.
It is your legal right to have someone represent you during the inspection. Your adjuster cannot enter your property without your permission. Insist on a firm appointment time so that we can schedule the meeting also. If we are not, or was not present during the inspection, you may not have received a full claim. Let Copio Construction work for you in getting what you deserve. You only have a limited time to make a claim, so call us today at (314) 400-7225.
Will My Insurance Raise My Rates If I File a Claim?
If your roof has any damage whatsoever, then you have a valid insurance claim and should file with your insurance company. Insurance companies cannot cancel your policy for a disaster related claim. After a disaster, insurance companies may raise everyone's rates. By not filing your claim your personal rate increase is paying for everyone else's damage except yours. Your premium may go up regardless if you make a claim or not, and the bottom line is you have insurance to cover damage caused by things such as a hail storm.
Not filing a claim and not fixing the problems will be something you may regret in the future. So, if you have a loss with significant damage, the right thing to do is file the claim. After all, you’re paying a premium every year, why not use your insurance for what it’s designed to do.
If I Think I May Have Sustained Damage From Hair or Wind Should I Call My Insurance Company To Have Them Inspect For Damage?
Yes, but you should also call Copio Construction at (314) 400-7225 to guarantee that you get the most out of your adjustment inspection. We want to be present when the adjuster comes out to do his/her inspection.
It is your legal right to have someone represent you during the inspection. Your adjuster cannot enter your property without your permission. Insist on a firm appointment time so that we can schedule the meeting also. If we are not, or was not present during the inspection, you may not have received a full claim. Let Copio Construction work for you in getting what you deserve. You only have a limited time to make a claim, so call us today
If My Roof Is Not Leaking Could I Still Have Hail Or Wind Storm Damage?
Yes, not all forms of damage as as obvious as a leaking roof. Always safely inspect your roof after a storm. Here are some signs to look for that may intigate a damaged roof:
  • Holes or dents in your roof, siding, or surrounding materials
  • Mineral granules (pebble-like material) in your gutters
  • Rash blistering
  • Misplaced Shingles
  • Shingle's sealing strip damage
  • Ask your neighbors if they experienced any damage
Should I Get Several Estimates?
No, your insurance company has created their own price list and will only pay actual costs for repairs (according to their price list), regardless of what prices you may get.
You have the right to choose a company you trust, Your insurance company will only pay up to the amount of your final bill (minus your deductible) so trying to find the lowest bid may only get you the least qualified contractor. It is more important to choose a contractor who you trust and has the expertise to work with your insurance company.
Think of it this way, what reward will the insurance company give you for finding the lowest price for them? Will they lower your premium? Your insurance company will pay a reputable contractor a "fair market price".
My Insurance Company Denied My Claim. Is There Anything I Can Do?
Call Copio Construction! We have overturned many denied claims and can assist you through the process. If your claim is denied or damage was overlooked by your adjuster, call us and we will help. We specialize in dealing with insurance companies and adjusters, usually we can fix theses problems with a phone call or requesting a re-inspection.
Should I Get My Roof Replaced Right Away?
Yes, most insurance companies will allow one year to file a claim and finalize repairs, this is something that is policy specific and you should check with your agent. Check out our Insurance Contact Information list for your Insurance's phone number.
Can You Waive My Deductible?
No. It is illegal to siphon money from an insurance claim to the homeowner. When you hear about roofers waiving or absorbing your insurance deductible, they are actually adding the deductible to the final bill, which your insurance company will spot. The discrepancy between the price billed to the insurer and the price billed to the homeowner is technically a breach of contract between the insured and the insurer. This breach allows the insurance company to reduce the amount you were given for your repair, which, in then end, forces you to pay the deductible out-of-pocket, and may put the roofer out of business for breaking the law.
Copio Construction chooses not to compromise our ethics with underhand offers. Please be wary of construction companies offering these illegal "money-saving" techniques, and always check their BBB score.
Check out Copio Construction's BBB score
What if the adjuster say he found "No Damage"?
It is possible that your roof was the only one on the block that wasn't damaged. However, you are entitled to a re-inspection by another adjuster within the same firm. So if you're not completely satisfied with the results of your claim, don't settle. Ask for another inspection. Let Copio Construction work for you in getting what you deserve.
Is The Excess Money Mine?
No. This is considered insurance fraud; you are not allowed to profit from a loss. This is a class 3 felony and can result in up to 10 years in prison and fines up to $10,000. The excess money goes back to your Insurance Company and helps keep everyone's prices low.

Free Inspection

Copio Construction always offers free inspections for your convenience. It is important to get started on recovery as soon as possible to prevent further damage and to get the most out of your insurance claim. We will come out to your home or business to determine if any roof or siding repairs are required. If we find any damage, we will discuss with you your options and help you with the insurance claim. Copio Construction will work with you throughout the entire process and repair your roof or siding in a timely and efficient manner.

Call Copio Construction for a free inspection for your home or business's roof and siding in Lake St. Louis, MO and surrounding areas.