Storm Damage & Insurance Restoration
Hail Damage Roof Repair in St. Louis, MO
Hail and wind claims documented and defended properly.
The Situation
A hail or wind claim goes badly for one reason more often than any other: the contractor did not know how to document the damage, read the carrier's scope, or hold an adjuster to the policy language. The homeowner ends up with a partial approval, an underfunded scope, and a roof that does not get properly replaced. This is the work Gray Summit was built to do.
What's Included in Every Storm Damage & Insurance Restoration Job
- Free documented storm damage inspection with dated photos
- Test squares and marked impact documentation an adjuster can verify
- Claim filing guidance and policy review
- Adjuster meeting — we get on the roof with them
- Line-by-line review of the carrier's scope against actual required work
- Supplement filing for code-required items the initial scope missed
- Denied and underpaid claim reinspection and appeal support
- Full replacement performed to the approved scope
Materials & Brands
Restoration work is installed to the same standard as any other job: CertainTeed systems, new flashing, code-compliant ventilation and ice-and-water coverage. A claim is not a reason to install less roof.
How It Works
Our Storm Damage & Insurance Restoration Process
- STEP 01
Inspection and documentation
We photograph and mark impacts, run test squares, and produce documentation built for a carrier's file rather than a sales pitch.
- STEP 02
File the claim
We walk you through filing and tell you what to expect. You file the claim — we make sure it is supported.
- STEP 03
Meet the adjuster
We are on the roof with your adjuster. This single step changes outcomes more than anything else in the process.
- STEP 04
Review the scope
We compare the approved scope line by line against what the job actually requires under current code. Gaps become supplements.
- STEP 05
Supplement and appeal
If the claim was denied or underpaid, we request reinspection and make the case in writing with documentation attached.
- STEP 06
Build it
Once approved, we install to the approved scope and hand you the warranty paperwork.
St. Louis & St. Charles Specifics
Why Storm Damage & Insurance Restoration Is Different in Greater St. Louis
Missouri sits at the eastern edge of a hail corridor that produces damaging events nearly every spring, and the St. Louis metro has taken repeated significant hail and straight-line wind since 2020. Missouri also has specific rules around deductibles and public adjusting that shape what a contractor may and may not do on your behalf. We stay on the correct side of that line, which is one reason our documentation is built to stand on its own.
Questions
Storm Damage & Insurance Restoration FAQ
A denial is not the end of the conversation. Denials frequently come from an inspection that missed damage or a scope that misread the policy. We reinspect, document what was missed, and submit a written request for reinspection with evidence attached. Some of the projects our team is proudest of started as denials.
A standard Missouri homeowners policy covers sudden accidental damage from hail and wind, subject to your deductible and to whether your policy pays replacement cost or actual cash value. It does not cover wear or age. The distinction between storm damage and wear is exactly where claims are won and lost, and it is why documentation matters.
Most carriers require filing within a defined window after the date of loss, often one year, though this varies by policy. If you suspect damage from a storm this season, get it inspected now rather than after the deadline.
Yes. Your deductible is your responsibility, and any contractor offering to waive, absorb, or rebate it is asking you to participate in insurance fraud. We do not do that, and you should walk away from anyone who offers.
Free, No-Pressure Inspection
Find out what you're actually dealing with
We get on the roof, document every slope, and hand you the photos — whether or not you hire us.