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Storm Damage

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If the last storm left shingles in your yard or siding hanging from your gable, do not wait for the next front to make it worse. Our team will inspect every elevation, document damage for your insurer, and tarp anything exposed today.

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Storm Damage Restoration in St. Louis, MO

A spring hailstorm or summer derecho can leave your home with serious storm damage in a single afternoon, and waiting even two or three days often invites water intrusion, attic mold, and ruined drywall on the floors below. At Top Quality Exteriors, we answer calls from St. Louis homeowners within hours of the last raindrop, not days later when the damage has already spread. Our crews tarp exposed decking, document every hailstrike with date-stamped photos, and stabilize your roof before the next front rolls through Missouri.

We handle the full restoration cycle for storm-battered exteriors: shingle bruising, cracked siding panels, bent gutters, torn flashing, and ridge vent damage are all part of a single coordinated repair plan. Our project managers also walk you through the insurance claim from the first phone call to the final check, including the adjuster meeting, Xactimate line-item disputes, and supplement requests when hidden decking damage surfaces. If you need targeted help, our storm damage roofing team can scope a roof-only claim.

What St. Louis Storms Damage Most

  • Asphalt shingles, ridge caps, and exposed roof decking after hail
  • Vinyl and fiber cement siding cracked by wind-driven debris
  • Gutters, downspouts, fascia wraps, and aluminum soffit panels

Why St. Louis Homes Take a Beating

Missouri sits squarely in a corridor where Gulf moisture collides with cold Plains air, and that collision spawns the supercells, derechos, and EF-rated tornadoes that hammer our metro every spring and summer. Homes in Chesterfield and Ballwin take heavy hail from west-to-east tracking storms, while Kirkwood and Webster Groves often see straight-line wind events that strip ridge caps and tear vinyl off gable ends. Ice storms in January and February add a slower kind of damage as freeze-thaw cycles pry at flashing seams and split older 3-tab shingles. Most homeowners do not realize how much wind uplift or hail bruising has happened until granules clog the downspouts or a brown ceiling stain appears weeks later. We inspect every plane of the roof, every elevation of siding, and the soft metals around penetrations so nothing slips past the adjuster before your claim deadline. For broader exterior fixes, our siding repair crew matches panels and restores curb appeal across O’Fallon.

Our Storm Damage Process

Storm response is part triage, part construction, and part insurance navigation. We built a five-step process that gets a tarp on tonight, an estimate filed tomorrow, and the finished job approved by both you and your adjuster with no back-and-forth.

Emergency Tarping

We dispatch a crew within hours to tarp your roof and seal openings. The goal is stopping water before it reaches drywall or attic insulation. You get photos of every covered area.

Damage Inspection

I climb the roof and walk every elevation to find hail and wind damage. We chalk-mark each hit, photograph impacts, and check soft metals. Then I compile a report for your insurer.

Claim Support

We meet your adjuster on site and walk through every documented impact. Our team uses Xactimate to compare line items and flag missed scope. You stay in the loop the whole time.

Pick Materials

Once your claim is approved, we help you pick shingles and siding colors. I bring physical samples so you see them in real daylight. We order materials and book your install date.

Full Restoration

My crew tears off damaged shingles, replaces wet decking, and installs new materials. We tarp landscaping and sweep nails with magnets daily. Then we walk the job for sign-off.

Why St. Louis Trusts Our Team

Storm work is where shady out-of-state contractors show up with magnet signs on a rented truck, collect deposits, and disappear before the first nail is driven. We are a licensed Missouri-based contractor with a permanent crew, a local office, and references from neighborhoods across Ladue, Clayton, and Maryland Heights. Every project gets a written scope, a real timeline, and a single project manager who answers the phone when you call after the install is done.

Our inspectors have walked thousands of St. Louis metro roofs and know the difference between cosmetic granule loss and a true hail bruise that broke the mat below the surface. That experience matters when your adjuster wants to deny the claim or scope only a partial replacement on your roof. We document with date-stamped photos, drone overhead shots when needed, and detailed Xactimate sketches so your file holds up to scrutiny from any major insurer.

What Storm Restoration Costs

When a claim is approved, your real out-of-pocket cost on a storm job is typically just your deductible, which usually runs between $1,000 and $5,000 depending on your policy. The insurer pays the rest of the replacement based on Xactimate pricing for your zip code, which already accounts for current St. Louis labor rates and shingle costs. We make sure every legitimate line item is included, from drip edge and starter strip to code-required ice and water shield.

For non-claim work or cosmetic touch-ups that fall under your deductible, a roof repair on a smaller area generally falls between $450 and $1,800, while a single elevation of siding replacement can run $1,500 to $6,000 based on material and trim selection. We provide a written estimate with a clear scope so there are no surprises later, and we never pressure you into extra work that your policy or your household budget cannot reasonably cover.

Frequently Asked Questions

We aim to have a crew on site within four to twelve hours of your call, depending on storm volume and how many other homes need emergency stabilization the same night. Our trucks carry heavy-duty tarps, cap nails, and roof jacks so we can secure open decking on the spot. That fast response stops water from soaking attic insulation and drywall below.
In most cases yes, when damage is clearly tied to a recent hail or wind event and is reported within your policy window. You typically pay your deductible while the insurer pays the rest based on Xactimate pricing for your zip code. We document every impact with photos and detailed notes so adjusters in Chesterfield and Ballwin have no reason to scope short.
Hail bruises usually show up as round dark spots where granules are missing and the mat below feels soft when pressed with a thumb. You might also see dented metal vents, bruised ridge caps, and shiny dimples on gutters or downspouts. Cosmetic granule loss alone is not always covered, so an experienced inspection in St. Louis matters most for your claim.
Most Missouri homeowner policies require notice within one year of the storm date, though many insurers prefer claims filed within ninety days while the evidence is fresh. Waiting also gives water and freeze-thaw cycles time to expand the damage, which can complicate scope and approval. We recommend scheduling an inspection within two weeks of any major storm.
Yes, and combining the work onto a single claim and one project saves you time, paperwork, and often a second deductible payment. Our crews replace shingles, decking, and siding panels on the same job site under a single project manager. Customers in Kirkwood and Webster Groves often get their entire exterior restored within a week of insurance approval.
We strongly recommend against signing anything until you have verified the contractor is Missouri-licensed, locally based, and properly insured for your project. Out-of-state storm chasers often inflate claims, disappear mid-project, or leave behind incomplete work with no warranty. A local company with permanent St. Louis crews is far safer for your home long term.

Experience Shared by Our Customers

Every credential we carry is a commitment to quality, safety, and your peace of mind — on every project, in every state we serve.

Top Quality Exteriors LLC BBB Business Review
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