Storm Damage & Insurance Claims in St. Louis, MO
We document the damage thoroughly before your adjuster arrives, communicate with your insurance company directly, and help make the claims process as straightforward as possible.
We Handle the Insurance Claim — You Shouldn’t Have To
St. Louis Roofing & Siding is primarily a retail roofing company, but insurance and storm-related jobs have made up a growing share of our work over the last two years. St. Louis gets hit with severe hail in the spring and summer — sometimes multiple events in a single season — and most homeowners don’t know the damage is there until it starts to show up inside the house. The single most important thing you can do after a storm is call us before your adjuster comes out. Once your adjuster closes the file, reopening it is a slow, frustrating process. We protect that window.
Our licensed drone pilot — Amy Vandevender, FAA Remote Pilot Certificate holder — flies steep or hard-to-access roofs to deliver a complete aerial photo documentation package before your adjuster sets foot on site. Insurance companies take FAA-licensed aerial documentation seriously. It’s timestamped, comprehensive, and covers areas a ladder inspection can miss. We’ve guided hundreds of homeowners across the St. Louis metro through the insurance claim process and have the documentation practices to back it up.
What’s Included With Every Storm Claim
- Free five-point inspection, plus drone aerial photo documentation for steep or hard-to-access roofs
- Damage assessment report for your insurance company
- Direct adjuster communication — we speak their language
- Present during your adjuster visit
- Written estimate before work begins
- Owens Corning Preferred installation
- 5-year workmanship warranty
- Magnetic nail sweep and full cleanup
Need a new roof but weren’t planning for the expense? Financing options available.
Request a Free Storm Inspection
We’ll document the damage before your adjuster arrives.
“Josh didn’t just accept the answer. He continued to pursue the matter and ultimately proved that the original inspector was wrong, resulting in the insurance company agreeing to pay 100% of the cost of my new roof.”
From Storm to New Roof — Step by Step
Call Us First
Before you call your insurance company or let an adjuster schedule a visit, call us. We’ll come out immediately after the storm, assess the roof, and document everything. This is the step most homeowners skip — and it costs them.
Drone Documentation
For steep or hard-to-access roofs, Amy flies an FAA-licensed drone to capture high-resolution aerial photos of every area of damage; other roofs get a full ground and ladder assessment. Either way, we compile a formal damage assessment report your insurance company will recognize and respect.
Adjuster Visit — We’re There
We show up to your adjuster appointment and walk the roof alongside them. We know what adjusters look for, we speak their language, and we make sure nothing is missed before they close the file.
Approved & Scheduled
Once your claim is approved, we schedule your replacement, handle the install with our trusted crew, do a full magnetic nail sweep, and leave your property cleaner than we found it.
How Does the Roof Insurance Claim Process Work in St. Louis?
If your roof has been damaged by hail, wind, or another severe weather event, the insurance claim process can feel overwhelming. The good news: you don’t have to navigate it alone. We walk you through every step above and work directly with your insurance company on the roofing portion of your claim — so you can focus on your home, not the paperwork. Below are the questions St. Louis homeowners ask us most about the insurance side of a storm claim.
What Can Trigger a Roof Insurance Claim?
Hail and high winds can damage a roofing system even when the damage isn’t obvious from the ground. Before visiting your property, St. Louis Roofing & Siding uses professional storm-tracking technology and meteorological reports to review the storm history at your specific location. This helps us identify when hail, damaging winds, or other significant weather events may have affected your home. We then perform an on-site inspection to determine whether there is evidence of storm-related damage.
Serving Homeowners Across Greater St. Louis
We regularly work with homeowners and insurance adjusters throughout:
- St. Louis County
- St. Louis City
- St. Charles County
- Jefferson County
- Surrounding St. Louis communities
There is no separate charge for us to meet your adjuster. However, because working through an insurance restoration project requires a significant investment of our team’s time and expertise, we ask homeowners who choose us to assist with the process to contract with St. Louis Roofing & Siding for the approved roofing work.
Common Storm Claim Questions, Answered
Don’t Wait Too Long to Report Storm Damage
Insurance policies have requirements regarding when a loss must be reported and when repairs or replacement must be completed. These requirements vary by insurance company and policy. If you suspect storm damage, it is a good idea to review your policy and contact your insurance agent or carrier promptly rather than assuming you have a specific amount of time to file.
What Is an Insurance Supplement?
Sometimes an insurance estimate does not include everything required to properly complete the roofing project. When appropriate, additional documentation can be submitted to the insurance company for consideration. This is commonly referred to as a supplement. Supporting documentation may include:
- Photographs
- Roof measurements
- Manufacturer installation requirements
- Material specifications
- Building-code requirements
- Additional information discovered during construction
The insurance company ultimately determines whether additional items are covered under the homeowner’s policy. Our goal is to make sure the carrier has the information it needs to evaluate the actual scope of the roofing work.
RCV vs. ACV: What’s the Difference?
Replacement Cost Value (RCV) policies generally provide coverage based on the cost to repair or replace covered property, subject to the terms, limits, deductible, and conditions of the policy. With many RCV claims, the insurance company initially withholds depreciation. After the work is completed and the required documentation is submitted, eligible recoverable depreciation may be released. Actual Cash Value (ACV) generally reflects replacement cost minus depreciation based on factors such as the roof’s age and condition. Your insurance carrier or agent can explain exactly how your particular policy handles depreciation and claim payments.
What About My Insurance Deductible?
Your deductible is the portion of a covered loss that is the homeowner’s responsibility. Depending on your policy, you may have a fixed-dollar deductible, or a percentage-based wind/hail deductible. For example, a 2% deductible on a home insured for $300,000 would equal $6,000. Because deductibles can vary significantly, we recommend checking the declarations page of your homeowners policy so you understand your financial responsibility before beginning the project.
Can I Choose My Own Roofing Contractor?
In most situations, homeowners are free to choose the roofing contractor they want to perform the work. Your insurance company may provide contractor recommendations or preferred-vendor programs, but you do not necessarily have to use the contractor suggested by your carrier. When choosing a roofer, look beyond price. Consider the contractor’s experience, local reputation, manufacturer credentials, insurance restoration experience, workmanship, warranties, and familiarity with local building requirements.
What Happens if My Roof Claim Is Denied?
A denied claim does not necessarily mean there are no additional steps available. First, find out why the claim was denied. Depending on the circumstances, additional photographs, documentation, or information may help clarify the condition of the roof. Homeowners may also ask their insurance company about its procedures for reconsideration or reinspection. Coverage decisions are ultimately made by the insurance carrier according to the terms of the policy.
Will Filing a Hail Claim Raise My Insurance Rates?
There is no single answer that applies to every homeowner. Insurance premiums are affected by many factors, including the carrier, location, claims history, property characteristics, overall storm losses in the area, and the insurer’s underwriting and rating practices. Your insurance agent or carrier is the best source for information about how a claim could affect your individual policy.
Why Choose St. Louis Roofing & Siding for a Storm Damage Claim?
Insurance restoration involves more than simply replacing shingles. Our team helps homeowners understand the roofing portion of the process from the initial inspection through project completion. St. Louis Roofing & Siding can:
- Review storm history for your property
- Perform a professional roof inspection
- Photograph and document storm damage
- Meet your insurance adjuster on-site
- Review the insurance scope
- Identify roofing items that may require additional documentation
- Provide supporting documentation when appropriate
- Complete the approved roofing work
- Submit required completion documentation
Most importantly, we are a local St. Louis roofing company. We’re here before the storm, during the insurance process, and after your new roof is installed.
Schedule a Free Storm Damage Inspection
If you think your home may have been affected by hail or damaging winds, don’t wait until a small problem becomes a larger one. Schedule a free storm damage inspection with St. Louis Roofing & Siding. We’ll inspect your roof, document what we find, and explain your options so you can make an informed decision about what to do next.