Missouri homeowners know that storms, high humidity, and extreme temperature swings can take a serious toll on their roofs. No matter where you live in the state, dealing with roof damage is something most homeowners will face at some point. When that happens, working with a roofing contractor is key to ensuring your home stays protected.
At Horizon Roofing & Exteriors, we are a roofing contractor based in St. Peters, proudly serving St. Louis County, including Maryland Heights, Sunset Hills, Chesterfield, and Fenton, as well as St. Charles County, including Lake St. Louis, O’Fallon, and Wentzville. The good news? Your homeowner’s insurance may cover the cost of repairs—or even a full roof replacement.
As the owner of Horizon Roofing & Exteriors, I’ve helped countless homeowners navigate the roof insurance claim process. I’ve seen firsthand how frustrating it can be, especially when insurance claims get denied due to missed steps or lack of proper documentation. Even small mistakes can lead to a denied claim, leaving homeowners stuck paying out of pocket for repairs.
Follow these steps to file a successful roof insurance claim in Missouri and get the coverage you deserve
Step 1: Assess the Damage Immediately
The first thing you should do after a storm, heavy winds, or hail is inspect your property for any signs of roof damage. Look for:
- Missing, cracked, or curled shingles
- Leaks or water stains on ceilings/walls
- Granules from asphalt shingles in gutters
- Dents on metal roofing or gutters
- Fallen tree branches or debris
Safety Tip: If the damage is severe, don’t climb onto the roof yourself. Instead, call a professional roofing contractor like Horizon Roofing & Exteriors for a thorough roof inspection.
Step 2: Contact a Roofing Expert for a Professional Inspection
Your insurance company will require detailed documentation of the damage. This is where a trusted local roofing contractor comes in.
Our team will inspect your roof for visible and hidden damage, take photos and videos as proof for your insurance claim, and provide a detailed report with roof repair and replacement estimates.
Having a professional roofing assessment strengthens your claim and prevents your insurance company from underestimating the damage.
Step 3: File Your Roof Insurance Claim
- Call Your Insurance Company – Provide them with your policy number and details of the damage.
- Submit Your Roofing Inspection Report – This should include photos, videos, and repair estimates.
- Schedule an Insurance Adjuster Inspection – Your insurer will send an adjuster to verify the damage.
Pro Tip: Insurance adjusters work for the insurance company—not you. Having your roofing contractor present during the adjuster’s visit ensures that all damage is accounted for.
Step 4: Review the Insurance Estimate
Once the adjuster completes their inspection, your insurance company will provide an estimate of what they’ll cover.
Compare the estimate with your roofing contractor’s report to ensure it accurately reflects the damage.
Negotiate if necessary – If your insurance company underestimates the cost, your roofing contractor can help dispute the claim.
Step 5: Roof Repair or Replacement Begins
Once your claim is approved, it’s time to get your roof repaired or replaced.
At Horizon Roofing & Exteriors, we work directly with your insurance company to ensure the process is smooth and stress-free. Whether you need shingle replacement, leak repair, or a full roof replacement, our team is ready to restore your home.
How Missouri’s Weather Impacts Roof Longevity
Missouri’s weather can be tough on roofs. Strong storms and high winds can cause missing shingles, leaks, and structural damage. Hail storms often crack asphalt shingles and dent metal roofs. Extreme temperature changes in Missouri cause roofing materials to expand and contract, leading to cracks and leaks over time. In winter, ice dams can form, leading to water damage inside your home.
Because of this, regular roof inspections and maintenance are essential to keep your roof in good shape and avoid costly repairs.
Get the Coverage You Deserve
Brian Donohue
Brian Donohue is the owner of Horizon Roofing & Exteriors, the leading roofing company in St. Peters, Missouri, dedicated to delivering quality roofing solutions. With a strong background in project management, sales, and customer service, Brian has built a reputation for reliability and excellence in the roofing and construction industry.