Hail and wind damage repair

Hail and wind do different damage

Hail damage is about impact. The National Weather Service treats hail of 1 inch, about the size of a quarter, as severe, and NOAA’s severe storms lab says stones of 1 to 1.75 inches fall at 25 to 40 mph. Smaller storms add up too: in IBHS testing, weathered shingles hit by repeated small hail became up to 10 times more susceptible to damage from later large hail than new shingles.

Wind damage is about uplift. FEMA’s roofing guidance says a roof’s border is at more risk from uplift and wind-driven rain than the field of the roof, and the weather service’s severe threshold for wind is 58 mph.

Your claim stays yours

Missouri law draws clear lines for roofers, as of 2026. Section 407.725 bars any contractor from representing you or negotiating your claim, and from offering to pay or rebate any part of your deductible. If you sign a contract that depends on your claim, you can cancel it before midnight of the fifth business day after your insurer tells you in writing that all or part of the claim is not covered.

So our part is documentation and explanation: photos, meeting your adjuster, and walking you through the findings and scope line by line. Decisions about the claim stay with you. Our insurance claims page lays out every step in detail.

Before you sign with anyone

Missouri’s Department of Commerce and Insurance offers plain advice for hiring after a storm.

• Be there when a contractor inspects your home.
• Never pay the whole bill before the work is done.
• Get more than one estimate, and make sure they cover the same work.
• Ask for proof of liability and workers’ compensation insurance, then call the insurance company to verify it.
• Read any assignment of benefits carefully, since it can hand your rights under the policy to someone else.