Of course you do.
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BBB Torch Award Winner For Ethics
Recognized for honesty, integrity and trust.
Mid-Missouri sits where northern and southern air masses collide, which is why Boone County gets both large hail and hard winter weather in the same year. It is also why so many Columbia roofs end up as insurance claims — and why understanding how a claim is actually scoped matters more here than knowing which shingle brand is best.
Columbia, Ashland, Hallsville, Centralia — the form takes about a minute.
A local team member photographs everything an adjuster will need. No cost.
We go through the adjuster’s report line by line so you know what was actually approved.
Midwest homeowners rate the work five stars again and again — part of the 50,000+ satisfied customers we've served. Family-owned, and it shows in how the crews treat a property.
When you call for a quote in St. Louis, you get a local office and local employees — not a call center in another state. Someone who actually knows the neighborhood and the weather answers.
Every roof we install is backed by a lifetime warranty. Not a promotion, not a tier — every roof.
This award recognizes honesty and integrity in how a business treats its customers. A roof is one of the biggest purchases you'll make for your home, so who you trust with it matters.
John Beal Roofing serves Columbia and Boone County — Ashland, Hallsville, Centralia, Sturgeon and Harrisburg. Family-owned, lifetime warranty on every roof.
That single fact should change how you approach a roof here. You are not really shopping for a price, you are managing a claim — and the amount your carrier pays is determined by a document called the scope of loss, not by the estimate a contractor hands you. Homeowners who understand that document get the roof they are entitled to. Homeowners who do not tend to get whatever the first adjuster wrote down.
The scope lists line items with quantities, usually measured in squares. Read it for what is missing rather than what is there. Common omissions we see in Boone County: no line for ice-and-water shield at the eaves, no drip edge, no allowance for decking replacement, ridge vent priced as ridge cap, valley metal left off entirely, and only one layer of tear-off when the roof clearly has two. Each omission is a real cost that lands on you if nobody catches it before the work is approved.
Most policies pay in two parts. The first check is actual cash value, which is the replacement cost minus depreciation. The second, called recoverable depreciation, is released after the work is completed and documented. Homeowners are regularly surprised by this and assume the first check is the whole settlement, which is how people end up feeling shorted by their carrier when in fact the money is sitting there waiting on paperwork. And be wary of anyone offering to cover your deductible — in Missouri that is not a discount, it is insurance fraud, and it puts your claim at risk, not just the contractor.
Plenty of roofs we inspect in Columbia are simply old rather than storm damaged, and filing a claim that gets denied does you no favors. We will say so. Every roof we install carries a lifetime workmanship warranty, and we hold the BBB Torch Award for Ethics — an award given for how a company treats people rather than how much it sells.
Columbia plus Ashland, Hallsville, Centralia, Sturgeon and Harrisburg, across Boone County.
It is the itemized document your insurance adjuster writes listing what the carrier agrees to pay for. It determines your settlement, not the contractor estimate, so it is worth reading closely for omitted line items.
Most policies pay actual cash value first, then release the recoverable depreciation after the work is completed and documented. The first check is usually not the full settlement.
No. In Missouri, covering a homeowner’s deductible is insurance fraud, and it puts your claim at risk. Any contractor offering it is telling you something important about how they operate.
What We Do
Roof Replacement · Storm & Hail Damage · Roof Repair · Gutters · Commercial Roofing
"When Mother Nature's at her worst, we're at our best."
Every roof we install is backed by a lifetime warranty.
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