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- Storm Damage Roof Inspection
LOCALLY OWNED & OPERATED
FULLY INSURED
PERMITS PULLED ON EVERY JOB
WRITTEN DOCUMENTATION ON EVERY INSPECTION
EMERGENCY TARPING AVAILABLE
Why it matters now
Missouri carries one of the highest hail claim totals in the country, and the St. Louis metro sits in the path of it every spring. Two things work against a homeowner who waits:
- The claim window closes. Many policies require storm damage to be reported within a set period after the date of loss, commonly twelve months. After that, a carrier can deny the claim even if the damage was real.
- The ten year line. Most carriers pay replacement cost on a roof under ten years old and drop to actual cash value after it. Waiting can cost you the depreciation on an entire roof.
What we check
A real inspection is not a walk around the yard. Ours covers:
- Test squares on every slope with hail impact counts documented
- Bruising checked by hand, since a fractured mat is often invisible
- Sealant bond and wind creasing along ridges, rakes, and eaves
- Flashing, pipe boots, vents, drip edge, valleys, and ridge cap
- Gutters, downspouts, siding, and window wraps
- Attic and interior check for staining and daylight
- Photographs and a written report you keep, claim or no claim
How the Claim Process Actually Works
01
We inspect and document. You get the report before anyone calls an insurance company.
02
If the damage supports a claim, you file it. Under Missouri law the claim is yours, and we will tell you plainly whether we think it is worth opening.
03
We meet your adjuster on site and walk the documentation with them so nothing gets missed.
04
If the approved scope leaves out required items, we submit the supporting detail.
05
We complete the work, pull the permits, and stand behind it.
Where our role ends and yours begins
Missouri statute RSMo 407.725 says a roofing contractor may not offer to pay or rebate any part of your deductible, and may not represent or negotiate your insurance claim for you. We follow the statute and our contracts carry the notices it requires. What that means in practice: the claim stays in your name and your control, and our job is to make the damage visible, measured, and documented so your adjuster sees all of it.
Frequently Asked Questions
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Yes. Hail damage almost never leaks immediately. It shortens the life of the shingle first and shows up on your ceiling a year or two later, usually after the claim window has closed.
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Nothing, and there is no obligation. If your roof is sound we will put that in writing too.
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Same week in most cases, and immediately if you have active water coming in.
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Roofing, siding, and gutters, so one contractor handles the full exterior scope after a storm.
