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If your siding took a hit in the last West County storm, we help you sort out the damage and the claim before more weather arrives. Call for a free storm inspection and a straight answer on what your policy covers. Same-day tarping is available.
When a spring storm rolls through West County and leaves your siding cracked, split, or torn loose, with exposed sheathing or water working its way behind the WRB, you need a contractor who understands both the damage and the insurance claim process from start to finish. At Top Quality Exteriors, we handle storm damage siding repair for Town and Country homeowners on one-acre wooded lots under mature hardwood canopies where limb-impact punctures and hail bruising are the two most common failure modes we document on every claim inspection.
Our crews scope the damage the way an adjuster does, using Xactimate line items so your carrier sees a defensible estimate that reflects the true cost of matching fiber cement, LP SmartSide, or the vinyl profile already on your home. Whether the storm took out a single gable, a dormer face, or a full elevation, we can handle partial-facade repair or coordinate with siding repair in Town and Country when the scope grows. We attend the adjuster meeting so nothing gets missed and no legitimate line item gets denied on the first pass.
The St. Louis metro averages three to five significant hail events per year, and West County catches its share every spring. When the April 18, 2024 line moved across the area and again during the April 20, 2025 event, homeowners in Town and Country saw the same pattern: hail bruising on south and west vinyl elevations, wind-ripped panels along gables, and limb strikes from mature oaks puncturing siding to the OSB. On fiber cement, hail leaves distinct hail cracks and paint chipping; on vinyl, it shows as brittleness, split panels, and hairline fractures that widen every freeze-thaw cycle. Behind torn panels, we routinely find house wrap compromised and sheathing already showing water staining. If damage extends to trim, soffit, or fascia, we can bundle emergency siding tarping in Town and Country before the next storm hits, then transition into the full siding installation in Town and Country scope once the carrier issues RCV approval and the trustee signs off on the replacement material.
From the first phone call through the final walk-through, our storm damage siding workflow keeps you informed and keeps your carrier honest. Here are the five steps we follow on every West County claim we take on from Town and Country homeowners.
We arrive within 24 hours to inspect all four siding elevations. I photograph every hail hit, tear, and limb strike I find. You get a written damage summary emailed the same day.
I help you file the claim with the right language up front. We flag hail bruising, wind lift, and limb impact as separate items. That gets your carrier processing it much faster.
I meet your adjuster on-site with a full Xactimate scope ready to go. We walk every panel together to prevent missed line items. Nothing legitimate gets left off the estimate.
We help submit color and profile choices to the trustees for review. Once approved, we order fiber cement, LP SmartSide, or vinyl. The exact match keeps the RCV supplement clean.
Our crew tears off damaged panels, checks the sheathing, and repairs the WRB fully. We install the new siding with the correct fastener pattern. A final walk-through wraps the job.
Storm work is where fly-by-night contractors show up first and disappear fastest, which is why credentials matter more than a door-knock after a wind event. Top Quality Exteriors LLC was founded in 2022 by Mario A. Granados with over 7 years of industry experience across roofing and siding trades. We are BBB Accredited with an A+ rating, licensed in Missouri and Illinois, and we carry both General Liability and Workers Comp on every job we run.
We are also an Owens Corning Preferred Contractor and a James Hardie Alliance Program Member, which matters when the storm scope calls for premium fiber cement on a mixed brick facade. Because we live and work in the St. Louis metro, we know the hail patterns and the trustee approval quirks specific to Town and Country subdivisions. Any contractor offering to waive your deductible is asking you to commit insurance fraud, which is a line we will never cross.
Here is the honest truth about storm siding costs when a claim is involved: your out-of-pocket is usually just your deductible, which typically runs between $1,000 and $2,500 for a Town and Country homeowner policy depending on your specific carrier and endorsement. Missouri gives you a 12-month claim window from the date of loss, so you have time to get the scope right, but photos and moisture readings degrade fast so start documentation right away.
A supplement is normal when tear-off reveals additional damage: rotten OSB, torn WRB, or hidden nail-fin issues at window flashings all get added to the RCV after initial approval. Full facade replacement in fiber cement on a large West County home can carry a five-figure scope, while a single gable in vinyl might run under $3,000. Either way, we send the numbers straight to your carrier with photos so recoverable depreciation gets released on schedule.
Every credential we carry is a commitment to quality, safety, and your peace of mind — on every project, in every state we serve.
