Storm types
What damages Saint Louis roofs
Tree impact
Oak and maple canopy in established STL neighborhoods drops limbs in every major storm. Impact damage is a named peril on every standard homeowner policy.
Hail
The dominant damage vector in Missouri. Hail 1" or larger routinely totals a roof, but 0.75"-1" hail causes granule loss that shortens lifespan by 5-10 years — and most insurance carriers will still pay the claim if documented correctly within the policy window.
Straight-line wind
Downburst winds in spring storms pull tabs up, break seals, and lift ridge caps. Damage is often invisible from the ground until the next rain finds the compromised underlayment.
Tornado and severe wind events
Higher-end wind events in the STL metro remove entire roof sections. If your neighborhood has a confirmed tornado, file a claim regardless of how your roof looks from the yard.
First 24 hours
What to do the first 24 hours after hail in Saint Louis
- 1Do not sign an "assignment of benefits" or a contract with a storm-chaser who knocks on your door within 48 hours. Legitimate local contractors do not need AOB paperwork to do the work.
- 2Do not climb on the roof. Shingles are brittle after hail — you will cause more damage than you document.
- 3Photograph from the ground. Wide shots of each elevation, close-ups of any impact marks on gutters, downspouts, siding, AC fins, and screen doors. These corroborate hail size.
- 4Document interior ceilings and walls. Any staining — even small — needs a timestamped photo. Water infiltration evidence strengthens the claim.
- 5Save anything that fell. Hailstones in a freezer bag (dated), shingle tabs in the yard, broken tree limbs. Physical evidence matters.
Insurance claim process
How a storm claim works in Saint Louis
File the claim
Call your carrier, report the date of loss (the storm date, not today), and get a claim number. This triggers the adjuster assignment.
Free Vulcan inspection
We send a crew to your home within 48 hours of your request. We photograph every slope, document granule loss, chalk hail hits, and write a full estimate using Xactimate — the same software your adjuster uses.
Adjuster meeting
We meet your adjuster on the roof. We walk the damage together, reconcile line items, and make sure nothing legitimate is missed. This is the step most homeowners do not know they can ask for.
Supplement if needed
If the adjuster's scope misses items that code or manufacturer spec requires, we file a supplement directly with the carrier. Most claims require one.
Production
Once the carrier approves the scope, we schedule install. Typical tear-off-to-cleanup on a residential storm claim is one to two days. You pay your deductible; the carrier pays the rest directly to us (or via a two-party check).
Typical costs
What storm-damage replacement costs in Saint Louis
Full replacement (typical claim)
Most carrier-verified hail and wind claims settle as full replacements after we apply code requirements and manufacturer specs via supplement. You pay your deductible; the carrier pays replacement cost value to Vulcan directly.
Out-of-pocket on a paid claim
Typical Missourideductible is $1,000-$2,500. That is your full cost on a covered claim. Vulcan does not perform partial patch jobs — if your damage doesn’t qualify for a full carrier-paid replacement, we’ll refer you to a repair-only contractor.
See the full Saint Louis pricing breakdown on our roof replacement cost page.
Nearby
Storm damage repair in nearby Saint Louis cities
FAQ
Saint Louis storm damage questions
How soon after a storm should I call a roofer in Saint Louis?
Within 48 hours if possible. Saint Louis storm damage accumulates — a torn seal that sheds water today will start rotting your decking next month. Most MO insurance policies also require "prompt" notice of loss, which carriers increasingly interpret as 30-60 days. Faster documentation means a cleaner claim.
Does insurance cover storm damage in Saint Louis, MO?
Yes — hail, wind, and tree-fall are named perils on every standard homeowner policy in MO. The carrier pays replacement cost minus your deductible. Most genuine storm-damage claims we work end up as full replacements ($13,500 - $17,500 on a typical Saint Louis home); the adjuster's initial "partial" scope often expands once code requirements and manufacturer specs are correctly applied via supplement.
Why does Vulcan focus on full replacements instead of partial storm repairs?
Two reasons. (1) The economics: a partially-replaced roof is nearly always followed by a full replacement within 24-36 months because the adjacent slopes age out at the same rate. (2) Insurance code and manufacturer-spec rules usually push the proper carrier scope to a full replacement anyway — we just have to document it correctly. We file the supplements so you get the right scope paid the first time.
What does Vulcan's adjuster-meeting service actually do for me?
We meet your insurance adjuster on your Saint Louis roof and walk the damage with them line-by-line. We catch items the adjuster's initial scope misses, file supplements when code or manufacturer spec requires work that was not in the original estimate, and make sure you are not left with an uncovered gap between carrier payout and actual replacement cost. No charge — we are paid out of the approved scope.
What size hail actually totals a roof in Saint Louis?
Technically: 1" or larger routinely causes damage sufficient for full replacement on asphalt shingle. But 0.75"-1" hail causes heavy granule loss that shortens useful life by 5-10 years — most MO carriers will pay that claim too if documented correctly within the policy window. We photograph every impact with a hail gauge overlay to substantiate the claim.
What's my deductible on a Saint Louis storm claim?
Standard homeowner deductibles are $500-$2,500. But many MO policies written after a recent major storm carry a separate wind/hail deductible that's 1-2% of dwelling coverage (so on a $300K home, that's $3,000-$6,000). Check your declarations page before filing — the wind/hail deductible is usually lower than you'd expect but higher than the standard one.
Should I sign an "assignment of benefits" with a storm chaser in Saint Louis?
No. Legitimate local contractors do not need AOB paperwork to do the work. AOBs transfer your claim rights to the contractor, which lets unethical operators inflate the claim, pocket the difference, and leave you holding the bag if the carrier pushes back. We never ask for an AOB — your claim stays yours.
What's the difference between cosmetic and functional hail damage in Saint Louis?
Cosmetic damage dents the surface without compromising the shingle's water-shedding function — some carriers exclude it. Functional damage (granule loss, mat exposure, split shingles) impairs the roof's ability to protect the home and is always covered on a standard policy. We document both types separately so the carrier can't disqualify valid functional damage as "cosmetic."
Can I get an upgrade to impact-resistant shingles on my Saint Louis replacement?
Yes. Class 4 impact-resistant shingles cost roughly 10-15% more than standard architectural but qualify for 10-30% homeowner insurance premium discounts in most MO carriers. On a Saint Louis replacement you're looking at $13,500 - $17,500 standard vs ~10% more for IR. The premium pays itself back in 3-5 years most of the time.
How long does a storm claim take from inspection to install in Saint Louis?
Typical timeline: inspection within 48 hours of your call, adjuster meeting within 1-2 weeks, carrier scope approved within 30 days of the meeting, install scheduled 1-3 weeks after final payment authorization. Total: usually 45-60 days from first call to completed roof. Faster if you call before the adjuster has already committed to a "partial" scope.
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