Roof & Exterior Damage Documentation in Kansas City
Photos and itemized construction estimates for roofs, gutters, windows, screens, exterior paint, and fences across the Kansas City metro, KS & MO. Your policy and insurer determine coverage and settlement.
Document roof and exterior damage together
A storm can affect several parts of a property. MCO prepares a construction scope for the damaged items you want reviewed, with separate descriptions for each trade. Photographs, measurements, and itemized work help you and your insurer understand what the estimate includes.
Roofing
Shingles, flashing, vents, and other roof components. We identify the affected areas and describe the proposed repair or replacement scope.
Gutters and downspouts
Damaged gutter runs, downspout sections, joints, and attachments. Measurements and component counts help distinguish the work needed in each area.
Windows and screens
Affected openings, glass, frames, and screens. We document the specific component and dimensions so a damaged screen is distinguished from work on the window itself.
Exterior painting
Affected siding, trim, or other painted exterior surfaces. The scope describes the location, surface preparation, finish work, and measured area.
Fence repairs
Affected fence sections, posts, and gates. We record the material, dimensions, and proposed repair work, including finish work when it is part of the scope.
The estimate identifies observed conditions and proposed construction. Optional improvements are listed separately. Including an item in MCO's estimate does not establish insurance coverage or guarantee payment.
Construction Details for the Adjuster Inspection
We can attend the property inspection, identify the roof and exterior components in our estimate, and answer questions about quantities and proposed work. The adjuster records their observations, and the insurer evaluates the claim.
Our Process
From Damage Records to Authorized Repairs
Each affected area has a location, a condition record, and a proposed scope of work. Your insurer controls the claim decision.
Step 1
Record the Affected Areas
We review the roof and exterior items you identify, photograph visible conditions, and record the location and measurements of each affected component.
Step 2
Itemize the Construction Scope
Your written estimate separates roofing, gutters, windows and screens, painting, and fence work into the relevant trade sections, with quantities and proposed repairs.
Step 3
Clarify Scope Questions
We can attend an adjuster inspection and explain the construction scope. If additional conditions are found, we can provide photos and an updated itemized estimate for review.
Step 4
Complete Authorized Work
If you hire MCO, we complete the work described in the signed construction contract. Your policy and insurer determine coverage and settlement.
Close-up roof photos
From the MCO Roofing project gallery.
Understand Your Policy Costs
Costs Are Policy Specific
Your policy and insurer determine coverage and settlement. They also determine deductibles and depreciation. Any non-covered cost or selected upgrade may be your responsibility.
MCO's written estimate describes the construction work and price. Your signed contract identifies the work you authorize.
If you are considering financing for your project, review available financing options and eligibility before making a decision.
Why Homeowners Choose MCO
Built for the Claim Process
- Class A General Contractor licensed by Johnson County, Kansas
- Roof and exterior damaged-item documentation
- Itemized construction estimates organized by trade
- Construction-scope answers at adjuster inspections
- Clear construction contracts before work begins
For information about visible roof conditions after hail and wind events, see our storm damage page.
Prepare for the Visit
What to Share With MCO
- The affected areas: roof, gutters, windows or screens, paint, and fences.
- Photos or notes showing the conditions you observed and when you noticed them.
- The insurer's construction estimate, if you already have one, so we can compare the described work with visible site conditions.
- Any temporary work already completed and the areas you want included in the construction estimate.
Ask your insurer what documentation it needs and how it wants you to provide it. MCO explains the construction scope; the insurer determines coverage and settlement.
Have an insurance estimate in front of you?
Our scope-of-loss guide walks through the line items, roof measurements, depreciation, deductible, and payments using a fictional example.
Common Questions
What Homeowners Ask Us
Know the Terms
Insurance Terminology
Ask your insurer how these terms apply to your policy and each affected part of your property.
A policy term for value after depreciation. Your insurer can explain how ACV applies to each damaged item and any payment schedule.
A policy term based on replacement cost. Ask your insurer whether your policy uses RCV and how any depreciation may be handled.
The amount stated in your policy. Other non-covered work or selected upgrades may create additional costs.
An additional estimate or supporting document submitted for insurer review. The insurer decides whether its claim estimate changes.
Coverage Decisions and Your Construction Contract
Your policy and insurer determine coverage and settlement. A roof inspection and exterior damage review can document visible conditions before repair. MCO can provide an itemized estimate and answer questions about the proposed work across the affected trades. The insurer evaluates the claim, and your signed contract controls work you authorize MCO to perform. The deductible and depreciation depend on your policy and insurer. So does any non-covered cost. Ask your insurer to explain the claim before signing.
Areas We Serve
MCO Roofing serves homeowners across Johnson, Douglas, and Wyandotte County. Find roofing services in your city:
Request an estimate
Tell us about your roof or exterior project. We’ll contact you to discuss the work and next steps.
Contact information
Call Us
(913) 954-4501
Email Us
houston@mcoroofing.com
Service Areas
Kansas City Metro · KS & MO
Lenexa • Leawood • Mission Hills • Prairie Village • Shawnee • Overland Park • Olathe • Lawrence • Kansas City • Independence • Lee's Summit • Blue Springs