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A storm in University City does not have to wreck your week. Call (314) 618-8888 and we will get eyes on your roof fast, walk you through the claim, and pull your home back to pre-storm shape on one scope. Your deductible is usually all you pay.
When tennis-ball hail rolls through Parkview or a straight-line wind snaps limbs across Forsyth Place, your roof and siding usually take the hit first, and the clock on your insurance claim starts the same afternoon. Top Quality Exteriors handles storm damage restoration University City MO homeowners can rely on — from the first tarp on the deck to the last matched piece of trim on the gable. Call (314) 618-8888 for 24/7 emergency response, and expect every dent, ding, and lifted shingle documented on the spot so nothing slips past the adjuster.
Our storm crews split every job the way insurance carriers expect: roofing, siding, and emergency temporary work each get a separate scope tied to one claim number. If a limb punched through decking near West Jackson Park or a valley let loose above your Delmar Loop dormer, we can dispatch emergency roof tarping in University City the same day, then walk the full slope with your adjuster the next morning. Our office runs Mon–Fri 8–5 and Sat 8–3, but the emergency line stays staffed around the clock so water intrusion never sits overnight in the attic.
University City sits inside one of the country’s most active hail corridors — the St. Louis metro averages three to five significant hail events per year, and stormersite.com logged 83 hail reports within 10 miles of U City in 2024, the largest at 2.25 inches (tennis-ball size). The most recent event near the city dropped 1.00-inch quarter-size hail on 05/19/2025. That is a lot of granule loss, cracked step-flashing, and hidden decking bruising stacked onto housing that already stresses roofs — south-of-Delmar Shingle Style homes with steep pitches, cut-up valleys, and turrets around Parkview and University Heights, plus post-WWII ranches north of Olive with simpler gables. Add the mature canopy on Forsyth and West Jackson Park and every storm cycle also brings limb strikes and valleys packed with wet debris. When that happens, the fix is a documented restoration, not a patch, and tying it to storm damage roofing in University City keeps every trade on one scope and one adjuster.
Storm work has to move fast and stay documented. Here is how we sequence a full restoration from the first phone call to the final punch-list inspection, so you know exactly what happens at every stage of the claim in University City.
Call (314) 618-8888 and we log the address, storm date, and damage type on the spot. If water is entering the home, a tarp crew rolls out fast. Our line is staffed 24/7 for U City.
A project manager walks the roof and every siding elevation with a camera. We flag hail bruising, wind lift, cracked panels, and dented flashing. Written report lands in 24 hours.
Missouri lets your contractor attend the adjuster inspection, so we do it every time. We walk the same slopes and flag every dent we logged. Nothing gets left off the first scope.
We review the carrier Xactimate line by line and file a supplement if needed. You sign a contract tied to the insurance scope, not a padded bid. Your only cost is the deductible.
Crews tear off, deck-check, and rebuild the roof, then swap damaged siding and trim. Every product is installed to manufacturer spec so warranties hold. A final walk closes it out.
Top Quality Exteriors was founded in 2022 and ownership brings 7+ years of industry experience to every storm file we open. We are BBB Accredited with an A+ rating, licensed in Missouri and Illinois, and carry general liability plus workers’ compensation insurance — nothing rides on your homeowner policy. Our 52+ team members include crews who work University City weekly, which matters when a Parkview roof needs a Historic Preservation Commission-friendly shingle match.
We are an Owens Corning Preferred Contractor and a James Hardie Alliance Program Member, so hail-rated shingles and fiber-cement trim get installed to spec on the same claim. Every job carries a 36-month workmanship warranty on top of manufacturer coverage. One legal note U City homeowners deserve up front: any contractor who offers to “cover” or “waive” your deductible is asking you to commit insurance fraud. We never do that.
Most University City storm claims cost the homeowner one number — the deductible. A wind or hail deductible in Missouri typically runs $1,000 to $2,500, and that is usually your only out-of-pocket for a full restoration when RCV coverage is in place. Everything above (tear-off, materials, labor, code upgrades) rides on the insurance scope, filed line by line. Full asphalt roof replacements around U City generally land between $10,000 and $22,000.
Timing matters as much as price. Missouri policies give you 12 months to file most storm claims (some carry 24), but adjusters expect damage documented within about 30 days — the sooner you call, the cleaner the RCV recovery on hidden bruising. Hearth and GreenSky financing can bridge the gap between the ACV first check and final invoice. We can also bundle storm damage siding repair in University City into the same claim so one crew closes it out.
Every credential we carry is a commitment to quality, safety, and your peace of mind — on every project, in every state we serve.
