Navigating Insurance Claims After Storm Damage in Missouri
November 21, 2025
How to Navigate Insurance Claims After Storm Damage in Missouri
Storm damage and insurance can be confusing, especially if you’ve never filed a roof claim before. As a local, veteran-owned roofing company in Eureka, Perfect Pitch Roofing & Exteriors, Inc. has helped homeowners across St. Louis, Jefferson, St. Charles, and Franklin Counties work through the process.
Here’s a straightforward guide to handling roof insurance claims after hail or wind damage.
Step 1: Get a Professional Opinion First
Before you call your insurance company, have a trusted local roofing contractor inspect your roof. At Perfect Pitch Roofing & Exteriors, we:
- Inspect your roof, gutters, and exterior for storm damage
- Take detailed photos and notes
- Explain whether the damage is cosmetic, repairable, or severe enough to justify a claim
This helps you avoid unnecessary claims and gives you documentation if you decide to move forward.
Step 2: Call Your Insurance Company
When you’re ready to file:
- Report the date and approximate time of the storm
- Let them know you’ve had a professional inspection and have photos and a written report
- Ask about your deductible and what your policy covers for hail and wind damage
Your insurance company will typically schedule an adjuster to visit your property and assess the damage.
Step 3: Have Your Roofer Meet the Adjuster
When possible, it’s helpful to have your roofing contractor on-site when the adjuster arrives. We can:
- Point out damage that may be easy to miss
- Answer technical questions about your roof system
- Help make sure the scope of damage is fully documented
This doesn’t guarantee a particular outcome, but it can make the process smoother and more accurate.
Step 4: Choose a Local, Licensed Contractor
After a major storm, out-of-town “storm chaser” companies often flood the area. To protect yourself:
- Verify the contractor is licensed and insured in Missouri (Perfect Pitch Roofing & Exteriors – License #001642107)
- Check local references and reviews in Eureka and surrounding communities
- Ask about workmanship warranties (we offer a five-year workmanship warranty on all projects)
If you’ve had storm damage and aren’t sure where to start, call Perfect Pitch Roofing & Exteriors at (314) 596-1391 or schedule your free roof inspection
on our website. We’ll inspect your roof, document what we find, and help you understand your options before you file a claim.
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Not all roofing warranties are created equal. Before you invest in a new roof, make sure you know what’s covered—and what’s not. Types of Warranties Manufacturer Warranty: Covers defects in roofing materials (shingles, underlayment, etc.). Length and coverage vary by brand. Workmanship Warranty: Covers installation errors by the contractor. At Perfect Pitch, we offer a 5-year workmanship warranty for peace of mind. What’s Usually Not Covered Storm damage, improper maintenance, or unauthorized repairs Normal wear and tear Issues caused by poor ventilation or underlying structure How to Protect Your Warranty Schedule regular inspections and maintenance Use an experienced, certified contractor Keep all paperwork and documentation Have questions about your warranty? We’ll walk you through every detail before you commit—no surprises. Call 314-596-1391 or book your consultation online . Serving Eureka, St. Louis County, and surrounding areas.
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