We don't just shop the price. We compare the policy — starting with how each company would settle a hail claim on your roof.
Greene and Christian county homes span everything from older neighborhoods near downtown to new construction in Nixa, Ozark and Republic, and the right carrier differs enormously between them. New builds often qualify for preferred pricing; older homes come down to roof, wiring and claims history. Hail drives the market here the same way it does in Joplin.
How your roof is settled. Replacement cost pays to replace it; actual cash value deducts for age; some policies use a schedule tied to roof age and material. On a fifteen-year-old roof that difference runs into five figures.
Your wind and hail deductible. Often a percentage of the dwelling limit rather than a flat amount. Two percent on a $300,000 home is $6,000 before the policy pays anything.
Two policies priced within a hundred dollars of each other can differ enormously on both. Our coverage checkup worksheet lays them side by side.
Send us your current declarations page and we will check the rate and flag the gaps — roof settlement, deductibles, rebuilding coverage, water backup, contents basis and liability — whether you buy from us or not.
Bundling home and auto is usually the first saving worth checking, and we look at the combined cost rather than the homeowners price on its own.
Most of our Springfield clients come from Nixa, Ozark, Republic, Battlefield, Willard, Strafford, Rogersville, Fair Grove, Clever, Billings, Marshfield, Bolivar, Ash Grove and down toward Branson, Hollister and the Table Rock communities.
We are licensed across Missouri, Kansas and Oklahoma, so if you are further out we can still write it — most of what we do works by phone. Visit the Springfield office at 2603 N Kansas Expressway, Springfield, MO 65803, Monday to Friday, 9 to 5, or call 417.862.7788.
Enough to rebuild the house at today's construction costs, which is a different number from market value or your mortgage balance. We run a replacement cost estimate as part of the quote.
It depends on the policy and the roof's age. Some carriers move older roofs to actual cash value or a payment schedule even when the rest of the policy is replacement cost. We check that before recommending anything.
Often yes. Roof, wiring, panel type and claims history drive eligibility, and carriers differ widely. If another company declined the home, call before assuming nobody will write it.
Send your declarations page. We compare roof settlement, deductibles, rebuilding coverage and liability — then the price.