Local crews. Local code. Same address next year and the year after.
Out-of-state storm chasers are only as good as they are still in your area. We're not going anywhere — and we know what wind and hail do to a Missouri roof.
From damage to coverage.
- 01Free inspection. We document hail strikes, soft-metal damage, missing shingles, wind lift, and any associated interior leaks.
- 02Damage assessment. Honest call on whether it warrants a claim. We do not push claims that won't pay out.
- 03Claim filing & adjuster meeting. We meet your adjuster on-site, walk the damage together, and align scope.
- 04Estimate & approval. Xactimate scope agreed with the carrier before any work starts.
- 05Work begins. Roof, gutters, soft metals, siding, ventilation, and interior repair.
- 06Final inspection. Inspection with you. Warranty on completed work.
Hail bruising to shingles is the indicator that pays the claim.
The damage that wins a hail claim is bruising to the shingles — not dents on soft metals. Carriers look for granule loss, mat fracture, and bruised shingle surfaces. That's the documentation we lead with on every inspection.
Soft-metal hits (gutters, flashings, vents) corroborate the storm event but rarely carry a roof claim on their own. We log them as supporting evidence, then build the scope around the shingle damage that actually compromises the roof.
- Shingle hail strikes. Bruising, granule loss, and mat fracture — the primary indicators of a payable hail claim.
- Wind damage. Lifted, creased, or missing shingles. Underlayment exposure.
- Ventilation system. Damaged ridge and box vents lead to attic leaks.
- Soft-metal hits. Gutters, downspouts, flashings, vents — secondary evidence that corroborates the storm.
- Interior. Ceiling stains, drywall damage, insulation saturation from leaks.
When to expect damage.
Spring to Fall
Standard storm season. Hail, straight-line winds, tornadoes, and the bulk of property damage in the Midwest. If you hear hail, schedule the inspection — visible damage and policy damage often diverge.
Winter
Ice damming, gutter ice, downed trees, and freeze-related roof leaks. Insulation and ventilation issues become visible once snow sits on the deck.
You pick the contractor. Not the insurance carrier.
In Missouri, the homeowner has the right to choose their contractor for storm and roof claims — unlessyou've signed an endorsement on your policy to save money that restricts that choice. We recommend you contact your insurance agent and review the policy before assuming either way.
And a hard line we hold: anyone willing to waive your deductible is breaking the law. That's insurance fraud. If they're willing to break the law to win the job, what other rules will they not follow on your property? Walk away.
Storm rolled through? Get a real inspection.
Free, on-site, documented. We'll tell you straight if it's a claim or not.