Insurance Companies We Work With

We Handle the Insurance Coordination

If your roof was damaged by hail, wind, or a storm event, your first call should be to Revolve for a free inspection — not to your insurance company. Why? Because a contractor who documents damage to insurer-grade standards before the adjuster visit is your best advocate in the claims process. Once you file a claim, the clock starts running and the adjuster's initial scope often determines the baseline payout.

Revolve has worked with every major national carrier and every regional carrier common in Missouri and Illinois. We know how each carrier's adjusters document damage, what Xactimate line items they routinely miss, and how to prepare a supplement package that gets approved.

Missouri-Strong Regional Carriers

• Shelter Insurance

  Missouri-based regional mutual carrier. Very common in St. Louis suburbs and rural Missouri.

• Cincinnati Insurance

  Ohio-based regional carrier with strong Missouri and Illinois agent networks.

• Westfield Insurance

  Ohio-based mutual with Midwest homeowner and farm focus.

• Grange Mutual

  Midwest-regional carrier through independent agents.

• IMT Insurance

  Iowa-based regional carrier serving Missouri and surrounding states.

High-Net-Worth Carriers

• Chubb Masterpiece

  Chubb's high-net-worth product for homes valued $1M+. Guaranteed replacement cost standard.

• PURE Insurance

  Policyholder-owned carrier specializing in high-value home and art coverage.

• AIG Private Client Group

  AIG's high-net-worth division with concierge claims handling.

• Cincinnati Private Client

  Cincinnati Insurance's high-value residential product for homes over $750K.

• Vault Insurance

  InsurTech high-value homeowner carrier with digital-first claims platform.

Insurance Claim FAQs

• My adjuster's estimate is lower than Revolve's. What do I do?+

  This is very common and does not mean your claim is denied. Adjuster estimates are generated from software (typically Xactimate) using pricing that may not reflect current material and labor costs in your specific market. We prepare a formal supplement package with our drone photos, material quantity takeoffs, and current pricing documentation, then negotiate directly with the carrier. Most supplemented scopes are approved — it is a standard part of the process, not a dispute.

• What is the difference between ACV and RCV policies?+

  ACV (Actual Cash Value) policies pay the current market value of your roof at the time of the claim, with depreciation deducted based on the roof's age. If your 15-year-old roof is totaled, you may receive significantly less than replacement cost. RCV (Replacement Cost Value) policies pay the full cost to replace the damaged system with like kind and quality. With most RCV policies, the carrier pays the ACV first, then releases the 'recoverable depreciation' holdback once the work is complete and documented. Revolve helps you navigate which payment you have and when to expect the second check.

• Do I need to be home for the adjuster inspection?+

  We strongly recommend having a Revolve project manager on-site during the adjuster inspection. The adjuster's findings that day often become the baseline scope — having our documentation and a knowledgeable representative present helps ensure nothing is missed. We coordinate our schedule to match your adjuster appointment whenever possible.

• Can Revolve work directly with my insurance company without my involvement?+

  We can handle most of the technical coordination — submitting documentation, answering adjuster questions about scope, preparing supplements — but the claim is yours. Carriers require the policyholder to authorize any scope agreement and sign off on payment. We keep you informed at each step and will never commit you to anything without your approval.