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Wind Storm 2023 - Insurance Claim FAQ
Jaron Jaggers • March 10, 2023
Kentucky Wind Damage & Insurance Claim Information
We like to provide general information that helps answers questions in regards to the typical property insurance claim. Our office has extensive knowledge in a variety of claim perils. Feel free to reach out today with any questions, if we don't know we can probably find out. 270-843-5405
The March 2025 hailstorm left many property owners in Owensboro, KY, facing significant storm damage to their commercial and residential properties. At CMS Roofing & Restoration, we understand how overwhelming it can be to navigate insurance claims with companies like State Farm, Allstate, and Kentucky Farm Bureau—common providers in our area. These insurers often offer two main types of coverage: Replacement Cost Value (RCV), which covers the full cost to replace damaged roofs, windows, or gutters, and Actual Cash Value (ACV), which factors in depreciation, leaving you with less. For commercial properties like offices, retail spaces, and warehouses, as well as homes, this distinction can make a big difference. Common roofing materials in our cities—such as asphalt shingles, metal roofing, and tiles—along with vinyl or aluminum windows and steel or aluminum gutters, may all be impacted differently by hail. Our team at CMS Roofing & Restoration specializes in helping you assess hail damage and work with your insurance provider to maximize your claim. Whether it’s negotiating for RCV coverage or ensuring all damage is documented, we’re here to ease the burden for property owners. Contact us at www.cmsroofing.com to start your storm damage recovery today. #StormDamage #HailstormRepair #RoofReplacement #InsuranceClaim #RoofingContractor #OwensboroKY #BowlingGreenKY #CommercialRoofing #ResidentialRoofing #RCV #ACV #RoofMaterials #WindowReplacement #GutterRepair
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Wind Damage - Insurance Covered?
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