Of course you do.
Free, no-obligation roof inspection and quote for Columbia and Boone County homeowners — fast.
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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.
Columbia sits right in the middle of Missouri, where spring storm lines bring hail, damaging winds and the occasional tornado warning across Boone County. Winters bring ice and freeze-thaw cycles, and summers bring heat and humidity that dry out and age asphalt shingles.
Columbia also has a lot of rental property. Landlords and property managers near the University of Missouri campus often have several roofs of different ages, and a single storm can damage all of them at once.
Our Columbia team serves Boone County and nearby Mid-Missouri communities.
Columbia housing runs from older homes in Old Southwest and East Campus to newer subdivisions on the south and east sides of town, plus a big stock of duplexes and small apartment buildings. We roof all of it.
Every Columbia replacement includes a full tear-off, decking repair as needed, ice and water protection, synthetic underlayment, new flashing, drip edge and balanced ventilation, installed by certified crews and backed by our lifetime warranty.
Missing shingles, damaged ridge caps, pipe boot leaks and failed flashing are the most common Columbia repairs we make. If your roof has years left, we will repair it rather than sell you a new one.
For landlords and property managers, we can inspect multiple properties after a storm, document the damage on each one, and help you prioritize which roofs need attention first.
Roof cost in Columbia depends on roof size and pitch, tear-off layers, decking repairs, flashing work and the shingle you choose. Rental properties with several buildings can often be scheduled together.
You get a free inspection and a written, itemized quote.
Your Columbia estimate, install and follow-up come from our local Columbia team — real employees, not a call center.
Every roof we install is backed by a lifetime warranty, from the company that has been doing this since 1947.
Owens Corning Platinum Preferred and IKO ROOFPRO Craftsman Premier — manufacturer certifications only a small share of contractors earn.
Storms in Columbia don’t keep office hours. Call 1-800-JOHN-BEAL day or night for emergency tarping and leak calls.
John Beal Roofing has a local Columbia office and local crews serving Mid-Missouri homeowners, landlords and property managers.
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.
Yes. We inspect, repair and replace roofs on rental homes, duplexes and small apartment buildings, and can document storm damage across several properties at once.
Yes. We serve Columbia and nearby communities across Boone County, including Ashland, Hallsville and Centralia.
With spring hail and wind hitting Columbia roofs, we see plenty of homeowners in Columbia, Ashland, Hallsville and Centralia whose roofs clearly took storm damage, but whose insurance claims came back low or denied. A denial letter is not always the final word.
Note the storm date, photograph dented gutters, vents and AC fins, and get a free on-roof inspection. What a storm inspection covers.
Get the reason in writing, read your policy, and have the roof documented slope by slope. What to do if your hail claim is denied.
Send your insurer a written request with your claim number and photo report, and ask for your roofer to be there. How to request a reinspection.
A second roofer, an engineer, appraisal, a public adjuster or the Missouri Department of Commerce and Insurance. Your second-opinion options.
In Missouri, insurance consumer complaints go to the Missouri Department of Commerce and Insurance. We document the damage and meet your adjuster on the roof; we are roofers, not public adjusters, so negotiating the claim stays between you and your insurer.
Often, yes. Get an independent photo report of the roof, then ask your insurer in writing to reinspect, referencing your claim number. If you still disagree, you can look at appraisal under your policy or contact the Missouri Department of Commerce and Insurance.
Free, no-obligation inspection with photos. Three generations since 1947. Lifetime warranty on every roof.
Get My Free Quote1-800-JOHN-BEALWhat 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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