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Call us once the storm passes and we will be on your roof with a camera within 24 hours. We document damage, prep a claim-ready report, and stand beside you at the adjuster meeting. From the first photo to closeout, we handle the heavy lifting.
When a hailstorm or straight-line wind event tears through Frontenac, the damage to a slate roof, standing-seam metal panel, or James Hardie fiber cement wall is rarely cosmetic, and patch-and-pray fixes leave thousands of dollars on the table. Top Quality Exteriors handles storm damage restoration in Frontenac MO with the documentation, scope, and insurance experience these estate properties demand. St. Louis sits in one of the most active hail corridors in the country, with the metro averaging three to five significant hail events per year.
Our crews handle the full storm envelope: roof tear-off and replacement, flashing and ridge vent repair, dented gutters and downspouts, fascia and soffit damage, and hail-bruised or wind-torn siding panels. We coordinate directly with your insurance carrier on the claim, build the Xactimate scope line by line, and pursue supplements when the first estimate misses items. If you need a tarp on the deck tonight before the next round of rain hits, our emergency roof tarping in Frontenac crew rolls 24/7.
Most insurance carriers give Missouri homeowners a 12-month window from the date of loss to file a storm claim, but the smart move is to document the damage within 30 days while the evidence is fresh and the cause is unmistakable. Under Missouri statute, your contractor has the right to attend the adjuster’s inspection on your property, and that single hour often decides whether you are paid for a full roof replacement or a partial patch on three slope sections. We show up with the homeowner, walk the roof with the adjuster, point out hail strikes on collateral like vents and skylights, and make sure the soft-metal test counts get on the official report. On premium Frontenac homes with slate tile, copper flashing, or fiber cement siding, the line-item pricing matters even more — a missed code item or undersized supplement can mean a five-figure gap in the payout. Our team handles storm damage roofing in Frontenac claims end to end, so you focus on your family and not on paperwork.
From the first call to the final walk-through, our storm restoration process is built to protect your home, maximize your claim, and keep you out of the back-and-forth with adjusters. Here is how it runs on a typical Frontenac project.
We climb the roof, photograph every elevation, and log each hail or wind impact. We measure squares and run drone footage on steep pitches. You get a damage report at zero cost.
We package every photo, measurement, and diagram into a claim-ready report. We map hail density, soft-metal hits, and AC unit collateral damage. Your adjuster gets a complete file.
We help you file the claim and lock in the adjuster meeting date. We attend that inspection and walk the full roof together. We pursue supplements when the first scope falls short.
Crews start once the claim is approved and materials are staged on site. We tear off, replace bad decking, and install your shingles or siding. Daily cleanups keep yard usable.
We walk the finished project with you and check every detail before sign-off. We file the final paperwork so the deductible is your only payment due. Then your warranty kicks in.
Our project managers write scopes in Xactimate the same way insurance adjusters do, which keeps the conversation factual and supplements clean. We document every hail bruise, wind-lifted shingle, dented gutter, and damaged fascia board with date-stamped photos before submitting a line item. Most homeowners we work with file an RCV policy claim, which pays replacement cost value once the work is finished and depreciation is recoverable as a separate check at closeout.
We have spent years restoring high-end homes around the Frontenac area, from stone-front estates to mid-century moderns with copper detail. We are GAF and CertainTeed certified, fully insured, and stand behind every storm restoration with a written workmanship warranty on top of the manufacturer coverage. References from past clients on similar slate, standing-seam, and fiber cement projects are available before you sign anything.
When the carrier approves a storm loss, the deductible is usually your only out-of-pocket cost on the entire project. Frontenac homeowners typically carry a $1,000 to $2,500 deductible, while the rest of the roof, siding, or gutter scope is funded by the carrier at replacement cost value. ACV policies pay only depreciated value upfront and never recover the rest. Any contractor who offers to cover or waive your deductible is asking you to commit insurance fraud.
Most Missouri policies give you 12 months to file a storm claim, but waiting that long is risky — evidence fades and adjusters get skeptical the further you drift from the date of loss. We tell every homeowner to document damage within 30 days of the event and start the claim conversation right away. Calling us early in that window means we can capture fresh evidence, write a tight scope, and push for every supplement the policy allows on a slate or fiber cement home.
Every credential we carry is a commitment to quality, safety, and your peace of mind — on every project, in every state we serve.
