Roof Insurance Claim Help for St. Louis Homeowners
A storm damage claim goes more smoothly when the damage is documented clearly. A roofing professional can inspect the roof and provide photos, inspection notes and an estimate you can use in the claim process.
How a roofing professional can help
- Inspection before you file. Many homeowners have the roof inspected first to see whether there is meaningful storm damage.
- Photo documentation. Clear photos of damaged shingles, vents, flashing and gutters.
- Inspection notes and an estimate. A written description of the damage and what it would take to repair or replace the roof.
- Adjuster meeting. Some homeowners ask their roofing contractor to be present when the adjuster inspects the roof.
The claim process at a glance
Identify possible damage
Look for missing shingles, dents and leaks after the storm.
Get an inspection
A roofing professional checks and documents the roof.
Contact your insurer
Open a claim and schedule the adjuster inspection.
Review the estimate
Compare the insurance estimate, your deductible and the contractor’s scope.
Our step-by-step guide explains all nine stages: how roofing insurance claims work.
Know what insurance usually covers — and what it does not
Policies commonly respond to sudden events like hail, windstorms and falling trees. Normal wear and tear, neglected maintenance and age-related deterioration are typically not covered. Read what insurance covers after storm damage and what insurance adjusters look for before the inspection.
Start with the storm history
The free Roof Snapshot checks NOAA hail and high-wind reports within 15 miles of your address for the last 24 months, and the storm summary is included in the PDF Roof Snapshot you can download after submitting.
Frequently Asked Questions
Should I call a roofer or my insurance company first?
Many homeowners schedule a professional roof inspection first to find out whether significant storm damage exists before filing a claim.
Does filing a claim guarantee a new roof?
No. Filing a claim does not guarantee a repair or replacement will be approved. Coverage depends on the damage, the cause, and your policy.
Can a roofer help with insurance storm damage documentation?
A roofing professional can usually provide roof photos, inspection notes, and repair or replacement estimates that may be helpful during the insurance claim process. Your insurance company makes the final coverage decision.
Related guides
Get Your Roof Snapshot
Check storm activity near your home, get a roof-size estimate, and request help from a roofing professional serving your area.