01
A storm affected your property and you're planning to file a claim.
Oxford can document the roof's post-storm condition before your adjuster visit, so the roofing picture is already on record.
Insurance claims assistance · Greater St. Louis Region
Insurance Claims Assistance
Filing a claim for storm damage is complicated. Having the right roofing documentation doesn't have to be.
When your insurer sends an adjuster to inspect your roof, what's in Oxford's documentation file matters. We come out before that conversation happens to document visible conditions, produce an accurate written estimate, and make sure the roofing picture is clear and complete. What your policy covers is between you and your insurer. What your roof actually looks like after a storm is something we can document thoroughly.
20+
Years of experience
900+
Roofs completed
When this service applies
When to Bring Oxford In
The sooner you get a documented roofing record, the better positioned you are. Here's when it makes sense to have Oxford involved before your claim moves forward.
02
You want an independent contractor assessment before the insurer's adjuster arrives.
Oxford's inspection and estimate are based on what we actually find on your roof, not on what a claim might cover.
03
Your adjuster is coming and you want to be prepared.
Having thorough condition photography, a written estimate, and a clear record of the affected areas before the adjuster visit puts you in a better position going into that conversation.
04
You need roofing documentation, not policy interpretation.
Oxford's role is clear: we document the roof and define the roofing work. Coverage decisions belong to your insurer. We stay in our lane so the record we produce is credible and defensible.
Oxford's approach
What Oxford Does in This Process
01
We document what the storm left behind.
We provide thorough condition photography, identify affected areas by location, and create a written record tied to the specific property and date.
02
We produce an accurate written estimate for the roofing work.
Based on documented conditions, not on what we think a policy might pay. An honest estimate is the most useful document you can bring into a claims conversation.
03
We're roofing contractors, not public adjusters.
Coverage decisions, policy interpretation, and claim outcomes belong to you and your insurer. Oxford doesn't cross that line. That's exactly why our documentation carries weight when it counts.
What the service covers
What Oxford Provides
Here's the documentation Oxford produces as part of the claims assistance process:
- 01A thorough record of visible post-storm conditions across the full roof
- 02Each affected area and component, identified by location
- 03Dated condition photography for every documented finding
- 04A written estimate for the proposed restoration or repair work
- 05A complete proposal you can share with your insurer or adjuster
- 06Project records when the roofing work is complete
Oxford does not act as a public adjuster and does not interpret insurance policies or negotiate coverage on your behalf. Those decisions belong to you and your insurer.
The process
How It Works
Four steps from the storm inspection through the completed roofing work.
01
Inspect
We come out and inspect the full roof. We document post-storm conditions with photographs and a written record of every affected area, ideally before the adjuster visit.
02
Document
We organize everything we found by roof area and component. The result is a clear, dated record you can put in front of your adjuster and know it reflects what's actually on your roof.
03
Estimate
We prepare a written estimate for the roofing work based on documented conditions. It is accurate, specific, and tied to what we found, not to what we think the claim should pay.
04
Complete
Once the claim process has run its course and work is approved, we complete the roofing project according to the written proposal. Final documentation is provided at close.
From the Field
Chesterfield Hail Restoration
Residential · Storm condition documentation
A hail event left visible impact across the roof surface. Oxford documented the post-storm condition, defined the restoration work, and completed the project in Chesterfield. Before and after photography on file.
View ProjectComplete Oxford service territory
Insurance Claims Assistance across the greater St. Louis region.
Oxford’s approved territory includes the following Missouri and Illinois communities.
Missouri Service Areas
St. Louis County
Missouri
- St. Louis
- Kirkwood
- Chesterfield
- Ballwin
- Florissant
- Webster Groves
- Clayton
- Creve Coeur
- Maryland Heights
- Hazelwood
- University City
- Overland
- Bridgeton
- Manchester
- Ladue
- Town and Country
- Des Peres
- Wildwood
- Ellisville
- Fenton
- Oakville
- Mehlville
- Affton
- Crestwood
- Sunset Hills
- Brentwood
- Richmond Heights
- Maplewood
- Ferguson
St. Charles County
Missouri
- St. Charles
- O'Fallon
- St. Peters
- Wentzville
- Lake Saint Louis
- Cottleville
- Dardenne Prairie
- Weldon Spring
- St. Paul
- Augusta
- New Melle
- Portage Des Sioux
Jefferson County
Missouri
- Arnold
- Festus
- Imperial
- Hillsboro
- De Soto
- Crystal City
- Herculaneum
- Pevely
- High Ridge
- House Springs
- Cedar Hill
- Barnhart
Franklin County
Missouri
- Washington
- Union
- Pacific
- Sullivan
- St. Clair
- New Haven
- Villa Ridge
- Gerald
Lincoln County
Missouri
- Troy
- Moscow Mills
- Elsberry
- Winfield
- Hawk Point
- Foley
Warren County
Missouri
- Warrenton
- Wright City
- Marthasville
- Truesdale
Illinois Service Areas
St. Clair County
Illinois
- Belleville
- O'Fallon
- Fairview Heights
- Swansea
- Shiloh
- Mascoutah
- Millstadt
- Cahokia Heights
Madison County
Illinois
- Edwardsville
- Alton
- Granite City
- Collinsville
- Troy
- Glen Carbon
- Highland
- Wood River
- Bethalto
- Maryville
Monroe County
Illinois
- Columbia
- Waterloo
- Valmeyer
Don’t see your town listed?
Our service area is always growing. If you’re in or near the greater St. Louis region, there’s a good chance Oxford Roofing can help. Contact us and we’ll confirm whether your property is within our current service area.
Insurance claims assistance FAQ
Common Questions About the Claims Process
No. You should be cautious of any contractor who implies they can. Coverage is your insurer's call under your policy. What Oxford controls is the accuracy and completeness of the roofing documentation. That's what we focus on.
No. A public adjuster represents you in the claims process and negotiates on your behalf. That's a licensed role Oxford does not fill. Oxford's role is as your roofing contractor: documenting the damage, producing an accurate estimate, and completing the approved work. Those are different functions, and keeping them separate is important.
Oxford inspects your roof, photographs visible damage, and provides a written estimate you can share with your insurance company. Project records are provided when Oxford completes the approved roofing work.
Yes. Oxford can meet your adjuster on site when needed. We document visible roof damage and provide a written estimate tied to what we found. Coverage decisions remain with your insurer.
Storm Damage Restoration is the roofing service: the inspection, approved repair or replacement work, and finished project. Insurance Claims Assistance is the documentation that supports your conversation with the insurer while that work is being considered. Coverage decisions remain with your insurer.
Begin with the roofing record
Get the Roofing Documentation Right Before the Adjuster Arrives.
The most useful thing you can do before your insurer sends someone out is have a thorough, independent roofing record already in hand. Oxford will come out, document the condition, and put together a written estimate. You'll walk into that conversation prepared.
Schedule Your Storm Assessment