If your roof took a hit from a recent storm, you may be entitled to a full insurance-covered replacement — and most homeowners don't know it. We do this every day.
Most homeowners who file a covered hail claim end up paying only their deductible. The rest is between us and your carrier — and we handle that part.
You usually can't see a hail-damaged roof from the driveway. Here's what actually signals a claim — check these before you decide your roof is fine.
A pile of shingle grit at the downspout after a storm means the shingle surface took impact and is shedding its protective layer.
Check gutters, downspouts, vents, and the AC unit's fins. If hail dented the metal, it hit the shingles just as hard.
A hail hit leaves a soft, dark circle that gives slightly under a thumb. It won't leak today — it will in two years.
Wind damage shows as shingles that lift at the edge or hold a crease line. Those seals don't reset once broken.
Weather claims are handled differently from at-fault claims, but policies and carriers vary and rates are set by your insurer, not by us. Ask your agent directly what a hail claim does to your premium before you file — it's a fair question and they have to answer it.
Most Missouri policies set a deadline measured from the date of the storm, often one to two years, but it's written into your specific policy. If you think a storm from last spring did damage, don't assume you've missed the window — check.
A denial isn't always the end. We'll review the report, and if we documented damage their scope missed, we'll ask for a re-inspection and meet them on the roof with our photos.
No. Waiving or absorbing a deductible on an insurance job is illegal in Missouri, and any contractor offering it is telling you something about how they do business. We charge your deductible and nothing beyond the approved scope.
Free, documented, no obligation. If there's nothing up there, we'll tell you that too.