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Roofing in St. Louis · Insurance & Storm Damage

Storm Damage and Insurance Claims in St. Louis

Hail and wind damage documented the way an adjuster needs it documented, then handled with them directly.

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Storm damage is often not visible from the ground, and that is the problem with it. Hail bruising takes the granules off a shingle without breaking it, so the roof looks fine from the driveway while its life has been cut short. Straight-line wind and hail come through most summers, and the temperature swing between seasons is wide enough to work materials hard — expansion and contraction opens seams and fasteners over time. We inspect, photograph and document what we find, then deal with your adjuster directly so you are not the one relaying messages between two parties who both do this for a living.

What the work involves

Insurance & Storm Damage in St. Louis

The inspection and the documentation

Every affected slope photographed, damage marked and measured, and a written scope. This is the part that decides how a claim goes.

Working with your adjuster

We meet them on site where we can, and we speak to them directly afterwards. You should not have to translate between a roofer and an insurance company.

What is usually covered

Sudden storm damage generally is. Age and wear generally are not. We will tell you honestly which one we think you have before you file anything.

Emergency cover first

If the roof is open, protecting the inside of the house comes before the paperwork.

Storms across the St. Louis area

Summer wind and hail, on a housing stock made of brick

St. Louis takes straight-line wind and hail most summers, and the masonry stock means the damage frequently extends past the roof in ways a roof-only scope misses.

Straight-line wind is the event that does visible damage

Most summers bring at least one system with enough sustained wind to lift covering, empty a gutter run off a fascia and bring limbs down. It is the damage people notice and the one they call about.

Photograph it before anything is cleared. A tidied-up yard is a harder claim than an untidy one, which is an awkward thing to have to say and a true one.

Hail marks more than the roof

The same stones that bruise shingles dent gutters, downspouts, siding on the windward elevation and the fins on an air-conditioning condenser. Those are part of the same event and belong in the same scope.

A roof-only inspection after a hail event routinely under-reports the damage. We walk the elevations and the ground-level units as well, because they are evidence for the roof claim as much as claims in their own right.

Brick changes the damage list

A brick house does not dent, but it has chimneys, parapets and copings that take wind directly, and mortar that has been weathering for decades. Storm damage here shows up as displaced coping, cracked mortar and failed counterflashing rather than as marked siding.

That is masonry work alongside roofing, and it is worth having documented at the same time rather than discovering it the following winter.

Two counties and a lot of municipalities

St. Louis County and the individual municipalities permit separately, and Jefferson County is different again. After a widespread event the queues are the constraint rather than the crews.

We pull them where they are needed. Knowing which jurisdiction you are in is the first thing we work out at the inspection.

Why homeowners choose us

Straightforward from quote to cleanup

Honest, upfront pricing

A clear written quote after a free inspection — no surprises and no pressure afterwards.

One project manager, start to finish

The person who quotes the job runs the job, and is the person you call afterwards.

Backed by industry-leading warranties

Industry-leading warranties, fully licensed and insured, and one team for the whole exterior.

Where we work

Insurance & Storm Damage across Greater St. Louis

We work across Greater St. Louis, out of our St. Louis office. Here are the towns our crews are in most often.

Based at our St. Louis office. St. Louis County and the municipalities permit separately, and Jefferson County is different again. We pull them.

South County and South City

South County and the southern city — Kirkwood, Webster Groves, Sunset Hills, Oakville, Mehlville, Affton and down through Fenton to Arnold.

West County and North County

West County and the inner ring — Chesterfield, Town and Country, Creve Coeur, Clayton, Des Peres and Maryland Heights — plus Berkeley in North County.

Don't see your town? It is probably still a yes — call (314) 380-8111 and we will tell you straight away.

Good to know

Common questions

Should I file a claim?

Not always. If the damage is wear rather than a storm event, a claim will not go anywhere and it goes on your record either way. We will give you our honest read first.

Do you meet the adjuster?

Where we can, yes. It is a much shorter conversation when the roofer and the adjuster are on the roof at the same time.

What kind of storms hit St. Louis?

Mostly summer straight-line wind and hail, and a wide seasonal temperature swing that works seams and fasteners.

Is the inspection really free?

Yes. The inspection and the written quote are free and carry no obligation, and nobody will lean on you afterwards.

Do you cover my part of St. Louis?

We work across Greater St. Louis from our St. Louis office. If you are not sure whether your street is in, call (314) 380-8111 and ask — it takes a minute.

Ready for a free, no-pressure estimate?

Tell us what you need and we will take a look. Call (314) 380-8111 or send the form.

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