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.