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Call us at (314) 618-8888 the moment you suspect storm damage to your siding. We schedule a free on-site inspection, document every elevation, and walk you through filing the claim step by step. There is no pressure, just clear answers.
Frontenac’s mature tree canopy and one-acre wooded lots create a storm-damage pattern unlike anywhere else in mid-county: hail bruising and wind-cracked panels layered with limb-fall punctures that expose the OSB sheathing beneath. After the spring 2025 hail and late-May 2025 EF3 tornado, our crews at Top Quality Exteriors have written more storm damage siding repair scopes in Frontenac than in any season we can recall recently. We document hail bruising, wind-ripped panels, missing pieces, and trim failure before a single board comes off the wall.
Professional storm repair starts with a documented adjuster meeting, a proper Xactimate scope, and careful material-matching that holds up against your brick, limestone, or stucco facade. Most homeowners only pay their deductible out of pocket, but only if the claim is built correctly the first time around. We handle the carrier paperwork, attend the inspection under Missouri statute, and tie the siding scope into broader storm damage restoration in Frontenac whenever wind also hit the roof.
When wind and hail hit a Frontenac home, the failure pattern is layered. Hail bruising shows up as dimpling and hairline cracks on vinyl, while straight-line gusts and downburst microbursts rip whole panels off the wall, exposing housewrap or, worse, raw OSB sheathing underneath. On 1950s through 1980s homes with aging wood fascia and soffit under heavy tree shade, the storm often accelerates rot that was already quietly underway. Our scope walks every elevation, photographs every test square, and documents underlying sheathing damage and water intrusion behind the siding. We translate that into an Xactimate-formatted estimate carriers respect, then meet your insurance adjuster on site, which is your right under Missouri statute. The City of Frontenac requires permits on all siding repairs, valid 180 days from issuance, and we pull them ourselves. When the scope warrants an upgrade path, we present fiber-cement options like James Hardie siding in Frontenac that complement limestone and brick exteriors beautifully.
After every major storm in mid-county, we follow the same proven five-step path so nothing falls through the cracks between your insurance carrier, our production team, and your Frontenac home. Here is what every homeowner should expect from us.
We walk every elevation and photograph the hail bruising up close. Our crew chalks test squares and pulls a sample siding panel. You receive a written damage report the same day.
We translate the inspection into a full Xactimate-formatted scope. Then we help you open the claim and submit the documentation packet. You stay copied on every email and call.
Missouri statute lets your contractor meet the adjuster on site here. We attend that inspection and walk damage square by square together. We file a supplement on any item missed.
Our crew tarps landscaping and protects flower beds before any tear-off. We remove damaged panels, inspect sheathing, and replace rotted OSB pieces. Crews sweep magnetically daily.
We reinstall siding, trim, and flashing to match the adjacent runs. Then we caulk seams, touch up paint, and detail the joinery for the long haul. You sign off after walkthrough.
Top Quality Exteriors LLC is a BBB Accredited Business with an A+ rating, an Owens Corning Preferred Contractor, and a James Hardie Alliance Program Member. We were founded in 2022 with 7+ years of combined industry experience and a 52+ team that handles everything in-house. Every storm repair carries our 36-month workmanship warranty, with up to Lifetime coverage available on selected products. That stack of credentials matters when an adjuster scopes your job.
What sets us apart on a Frontenac storm job is hands-on material-matching against limestone, brick, and stucco facades, plus careful staging around mature trees and finished landscaping. We pull every City of Frontenac permit ourselves, build to the adopted 2021 IRC, and walk the property with you before crews ever load up. Many storm jobs turn into a smart upgrade to James Hardie siding in Frontenac for low-maintenance ColorPlus durability.
Most Frontenac homeowners who file a valid storm damage siding claim only pay their deductible out of pocket, which typically runs between $1,000 and $2,500. The carrier covers the rest, either as RCV (replacement cost value) once work is complete, or as ACV (actual cash value) up front with depreciation released after final invoicing. Missouri policies generally give you a 12-month window to file the claim, with some carriers extending to 24 months.
Skipping a proper repair is where homeowners lose real money. Wind-cracked panels and missing pieces let driving rain reach OSB sheathing, and water intrusion behind the siding rots framing within a season. Walk away from any contractor who offers to cover or waive your deductible, as that is asking you to commit insurance fraud. When budgets allow, upgrading from aged wood trim to fiber-cement is the smarter long-term move on a Frontenac home with mature shade cover.
Every credential we carry is a commitment to quality, safety, and your peace of mind — on every project, in every state we serve.
