⛈️ Storm Damage · FREE Inspection

Hail or Wind Damage in St. Louis? We Handle Your Insurance Claim.

Free, no-obligation storm damage inspections. We document the damage, work directly with your insurance adjuster, and fight for the full claim approval. Same-day emergency tarp service for active leaks. We've been through dozens of St. Louis storms — we know exactly what adjusters look for.

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Storm Damage Restoration: How It Actually Works

St. Louis sits in the heart of "Hail Alley" — the central US corridor that gets more severe hail than anywhere else in America. We typically see 3–6 significant hail events per year, and the spring 2024 and 2025 seasons brought storms that damaged tens of thousands of roofs across the metro area.

Here's the truth nobody tells you: your insurance company has already collected your premiums to pay for storm damage. They've got actuarial tables, reserves, and a financial model that assumes a certain percentage of homes will need new roofs after major storms. But they're also in business to make money — which means a fair number of legitimate claims get underpaid, denied, or settled for less than you actually need.

That's where we come in. We've worked dozens of insurance claims with every major carrier in St. Louis. We know exactly what hail damage looks like, how to document it, and how to push back when an adjuster lowballs you. The inspection is free, the documentation is free, and you don't pay us a dime unless your claim gets approved.

⏰ Don't wait. Most insurers have a 1-year window after a storm.

If your roof was damaged in a storm even months ago and you haven't filed yet, call us today. We'll inspect it and document everything before your filing window closes.

What Hail Damage Actually Looks Like

Most homeowners look at their roof from the ground after a storm and think "looks fine to me." That's because hail damage is almost impossible to spot from the ground. Here's what we look for when we get up there:

Hail damage indicators on shingles:

Bruises. Soft, dark spots where the granules have been knocked off and the asphalt mat has been compressed. Often called "hail bruises" or "fractures." These are the #1 indicator.
Granule displacement. Areas where granules have been knocked off, exposing the dark asphalt below. Especially visible on the side of the roof facing the storm direction.
Cracks or splits. Curved cracks running across shingles in a circular pattern around impact points.
Mat exposure. Where granules are missing and the fiberglass mat is visible.
Soft hits. When pressed, the shingle feels spongy at the impact point — the mat has been damaged but isn't visible from the surface.

Other places to check for hail evidence:

Gutter aprons and downspouts — soft aluminum dents easily and shows hail well
AC condenser fins — bent fins indicate significant hail size
Window screens and outdoor light fixtures — punched or bent
Wood decks or fences — pock marks in soft pine
Garage doors and metal flashings — dimples or dents
Plastic outdoor furniture — cracked or punctured

Wind damage indicators:

Missing shingles (obvious)
Lifted shingles where wind broke the adhesive seal
Creased shingles — bent backward and re-laid; they look fine but have failed
Bent or torn drip edge
Missing ridge cap

What about minor damage? Insurance adjusters generally trigger a roof replacement when there are 8 or more hail hits per "test square" (a 10' × 10' area on the slope). Each carrier has slightly different thresholds, but if you have visible damage, it's almost always worth getting an inspection.

How the Insurance Claim Process Works (Step by Step)

Free Inspection

We climb your roof, take 50+ photos, document every hail hit with chalk circles, and identify all collateral damage.

Free Estimate

We provide a detailed Xactimate-style estimate showing exactly what your full restoration would cost.

You File the Claim

You call your insurance carrier (we coach you through what to say). They assign you a claim number and an adjuster.

Adjuster Visit

The adjuster comes out. We meet them on-site with our documentation. We walk the roof together and point out everything.

Claim Decision

The carrier issues an approval (or denial). We help you understand the scope and review for missing line items.

Supplements (if needed)

If the adjuster missed items, we file supplements with documentation. This is where most homeowners leave money on the table.

Schedule Work

Once approved, you sign with us. We schedule your roof replacement within 1–3 weeks, faster for active leaks.

Final Payment

You pay your deductible and we collect the insurance check. You get a brand new roof + 10-year warranty.

What you'll typically pay out of pocket

If your claim is approved, your only out-of-pocket cost is your deductible — typically $1,000–$2,500 depending on your policy. Some policies have separate "wind/hail" deductibles that are 1–2% of your home's insured value (so a $300,000 home with a 1% wind/hail deductible has a $3,000 deductible for storm claims).

Everything beyond the deductible is paid by your insurance directly. We can never legally "waive your deductible" — and any roofer who offers to is committing insurance fraud, which would also expose you to serious legal trouble. Run from any roofer who suggests this.

Important Insurance Deadlines (Don't Miss These)

Insurance claims have time limits. Miss them and you lose your claim — period.

1-year claim filing deadline (most carriers). Some carriers in Missouri allow up to 2 years, but State Farm and several others enforce 12 months from the date of loss. If you suspect storm damage from earlier this year, file now.
180–365 day window for accepting/rejecting the settlement. Once an adjuster issues a decision, you have a limited window to dispute or accept it.
Statute of limitations. If a carrier wrongly denies a valid claim, you have 5 years in Missouri to sue them. But we never want to get there.

The most expensive mistake homeowners make: Doing a "patch" repair on storm damage themselves before filing. Once you alter the roof, the adjuster can reasonably argue they can't determine if the damage qualified for a claim. Always inspect first, file second, repair third.

How to Avoid Storm Chaser Scams

After every major hail event, out-of-state "storm chaser" companies flood St. Louis. They knock on doors, claim they "noticed damage from the street," push you to sign contracts on the spot, and disappear back to Texas or Florida the moment they cash your insurance check. By the time problems show up, they're gone — along with your warranty.

Warning signs of a storm chaser:

Out-of-state license plates on the truck
Door-to-door cold calling after a storm
"Free roof" promises or offers to waive your deductible
Pressure to sign immediately — "this offer expires today"
No physical office in St. Louis
Won't give you references from prior local jobs
Asks you to sign an "Assignment of Benefits" (AOB) — this hands them control of your claim
Offers to "front" your deductible or hide it in inflated numbers
No verifiable Missouri license or insurance

What to do instead:

Hire a local contractor with a physical St. Louis address
Verify Missouri license and insurance (we'll send you ours on request)
Read the Google reviews from real local customers
Take time to get 2–3 estimates — never sign on the spot
Call the Better Business Bureau if anything feels off

Insurance Carriers We Work With Every Week

We've successfully closed claims with every major insurance carrier serving St. Louis. We know each carrier's adjusting style, their typical deductible structures, and what they need to approve claims efficiently.

State Farm

Allstate

Liberty Mutual

Farmers

Nationwide

Travelers

USAA

American Family

Shelter Insurance

Auto-Owners

Erie Insurance

Progressive

Don't see your carrier? Doesn't matter — the process is essentially the same regardless of insurer. Call us and we'll walk you through it.

Storm Damage FAQ

Will filing a claim raise my insurance rates?

Storm/hail claims are generally treated as "act of God" events and don't typically raise individual rates. However, multiple claims over a few years might. Single hail claims rarely move premiums.

How long do I have to file a claim?

Most carriers in Missouri allow 12 months from the date of loss. State Farm enforces 12 months strictly. Some carriers allow up to 2 years. File ASAP regardless.

What if my insurance denies my claim?

We can request a re-inspection with a different adjuster. If that fails, you can request a "Public Adjuster" or in extreme cases dispute via your carrier's appeal process. We'll guide you through it.

Do you replace just the damaged side or the whole roof?

If the damaged side qualifies for replacement, most insurers approve replacing the whole roof — for matching purposes. Missouri's "matching statute" generally requires insurers to provide a matching roof.

What if I have an old roof — does that disqualify me?

No. Even a 15-year-old roof can have storm damage that qualifies for replacement. The age might affect "ACV" (actual cash value) vs. "RCV" (replacement cost value) settlements depending on your policy.

How long does the whole process take?

From inspection to new roof typically 4–6 weeks: 1 week for our inspection and your filing, 1–2 weeks for adjuster visit and approval, 1–3 weeks scheduling, 1 day install.

Can you tarp my roof while I wait for approval?

Yes. If you have an active leak, we'll tarp same-day at our cost (or your insurance reimburses for tarp work too).

Do I have to sign before you'll inspect?

No. The inspection is 100% free with no signing required. We don't ask you to sign anything until your claim is approved and you've decided to hire us.