Licensed Public Adjuster for Roof Insurance Claims

Most roofers in Belleville and the St. Louis area can install a roof. Very few are also a Licensed Public Adjuster. The owner of iRestore STL, Kirk Kupsky, is — and that puts you in a fundamentally different position when you're filing a storm damage claim with your insurance company.

What Is a Public Adjuster?

When you file an insurance claim, the insurance company sends out their own adjuster. That adjuster works for the insurance company. A public adjuster is licensed by the state to represent you, the homeowner, in the same process. Their job is to make sure your damage is fully documented, fairly scoped, and paid out at what your policy actually covers — not the lowest number the insurance company can negotiate to.

Public adjusters are regulated in Illinois and Missouri. They have to be licensed and bonded. Most roofers can't legally negotiate a claim on your behalf. We can.

How This Helps You

• Honest damage assessment first. Before we ever talk to your insurance company, we do a thorough inspection and tell you whether you actually have a claim worth filing. Many homeowners file claims they shouldn't — which can raise your premium for years.
• Properly documented claim. Photos, scope of damage, comparable shingle matching, code-required upgrades — we package the claim the way insurance companies expect to see it.
• You don't face the adjuster alone. We meet the insurance adjuster on site, walk the roof together, and make sure they don't miss damage.
• Supplements and reopenings. If the initial payout misses items that should have been covered — common with code upgrades, decking, ventilation, gutters — we file supplements to recover them.
• 98% approval rate. Across the legitimate storm damage claims we've represented, that's our track record.

When to Call Us

• After a hailstorm, windstorm, or tornado has hit your area
• If you see missing shingles, dents on metal flashing, or granule loss in gutters
• Before you file a claim — so we can assess whether you have one
• If you've been denied or under-paid on a claim you believe was legitimate
• If your insurance adjuster has already been out but you suspect damage was missed

What a Public Adjuster Costs

Public adjusters typically work on a contingency basis — meaning there's no out-of-pocket cost to you, and they only get paid if and when your claim is paid. The specific arrangement depends on your situation; we'll walk you through it before any agreement is signed.