Insurance Is Quietly Paying for Roofs in St. Louis
If your roof has even light hail damage, you could be sitting on thousands in insurance coverage. Don't let your policy pay for everyone else's repairs but yours.
The Greater St. Louis area is no stranger to severe weather. From the dramatic thunderstorms in late spring to the damaging hailstorms that can strike with little warning throughout the season, our properties take a beating. For a savvy homeowner or property manager, these storms represent more than just a fleeting headache; they are often the hidden trigger for a fully covered roof replacement.
At SunSent Roofing, we’ve seen firsthand how a little bit of knowledge—and a free, professional inspection—can turn what looks like an expensive problem into a fully funded asset upgrade, paid for almost entirely by your insurance company. This is a crucial insider tip that financially smart property owners in the 314 and 636 trust to protect their investment.
The St. Louis Storm Season: A Hidden Deadline
According to the Missouri Department of Commerce and Insurance (DCI), severe weather has caused billions of dollars in insured losses across the state in recent years, with a high percentage of that attributed to residential property claims.
We all remember the severe storms that have swept through the area recently. For example, major weather events like the massive storm in May 2025 and other major hail events in 2023 have resulted in thousands of insurance claims across St. Louis County, St. Charles, and Jefferson County.
Here is the critical piece of information that sets successful claims apart: There is a firm deadline to file your claim.
While most Missouri insurance policies give homeowners up to one to two years from the Date of Loss to file a claim, many policies are stricter. If you miss that window, your damage—no matter how severe—becomes a 100% out-of-pocket expense.
The problem is, hail damage is often invisible from the ground. Many St. Louis homeowners whose roofs were damaged by a storm over a year ago are still eligible for a full replacement, but their time is rapidly running out. You must act now to get a professional assessment and lock in your claim before the insurance deadline passes for that specific storm date.
The "Light Damage" Secret: What Adjusters Look For
You might think you need missing shingles or a major leak to file a claim. You’d be wrong. The secret that experienced roofing contractors and smart property owners know is this: It only takes light hail impact to void your roof's warranty and compromise its integrity.
Insurance carriers are ultimately concerned with the functionality of your roof. Even small, seemingly cosmetic damage can be the difference between a functional, warrantied roof and a failing one. Have questions? Call 636.757.3083 for some quick answers.
What Hail Does to Your Roof (That You Can't See):
- Granule Loss: Asphalt shingles are covered in protective granules that shield the asphalt mat underneath from the sun's harsh UV rays. Hail impacts, even small ones, knock these granules loose, exposing the asphalt. The exposed asphalt deteriorates rapidly, leading to cracking, drying, and eventual failure.
- Fiber Mat Bruising: A hailstone striking a shingle can create a soft spot, or "bruise," in the fiberglass mat underneath the granules. This damage is often not immediately visible but creates a weak point where leaks will form later, usually after the claim deadline has passed.
- Damage to Metal and Vents: Hail also dents soft metal components like gutters, downspouts, and roof vents. Adjusters look for these collateral signs of impact to prove the storm's severity. If they see dented vents, they know to look harder at the shingles.
When a SunSent Roofing expert does a free, no-obligation inspection, we are looking for this subtle, functional damage that insurance companies are contractually obligated to cover. We document the hail pattern, take photo evidence of the impact sites, and prepare a detailed report using the exact language and scope of work your insurance company requires.
The SunSent Advantage: Your Insurance Advocate
The insurance claim process can be frustrating, especially when the adjuster's first estimate is often significantly lower than the true cost of a high-quality replacement. This is where partnering with a reputable, local company like SunSent Roofing provides immense value.
We are not storm chasers. We are a local St. Louis-based business with a vested interest in the community and a deep understanding of local building codes and insurance claim protocols.
- Co-Inspection and Advocacy: We are present when the insurance adjuster arrives. Our experts ensure every spot of damage is noted and that the adjuster’s scope covers the full replacement of a damaged slope or the entire roof, not just minor repairs.
- Supplement Expertise: If the insurance company misses an item—like the cost of code-required ice and water shield or specific flashing—we submit a supplemental claim with compelling evidence to ensure you get full replacement cost value (RCV), not just an outdated estimate.
- Streamlined Process for Property Owners: We handle all the paperwork, coordinate the materials delivery, and manage the project from start to finish. For busy St. Louis business owners and homeowners, this means one phone call to us and then waiting for your beautiful new roof.
We’ve helped dozens of St. Louis property owners file their claims before the deadline for the major 2024 and 2025 storms. Don't miss your window. Get the money your policy entitles you to.
FAQ: Your St. Louis Roof Insurance Questions
Q: Will filing a claim raise my insurance premium?
A: Generally, no, not for a weather-related claim. Claims resulting from large-scale natural disasters (like hail or windstorms) are considered "Act of God" claims. Insurance companies often cannot penalize a single homeowner by raising their individual rate. However, if there is a massive loss event across the entire area, the insurer may raise rates for everyone in that region to offset their overall costs, regardless of whether you personally filed. Filing a claim ensures you benefit from the increase.
Q: How much time do I actually have to file a claim in Missouri?
A: This is crucial: most policies allow 12 to 24 months from the Date of Loss (the day the storm occurred). You must check your specific policy. Some deadlines are much shorter, especially for certain types of wind damage. The safe answer is to file as soon as damage is confirmed. If you wait, you risk your claim being denied because the insurance company can argue the damage is due to "wear and tear" or "neglect" rather than the storm.
Q: What's the difference between ACV and RCV coverage?
A: This determines your payout:
- Actual Cash Value (ACV): The insurance company pays the cost of a new roof minus depreciation (the roof's age). This leaves you paying a significant portion out-of-pocket, as the deductible and the depreciation are subtracted.
- Replacement Cost Value (RCV): The insurer initially pays the ACV, but once the work is completed and the final invoice is submitted, they release the "recoverable depreciation," covering the full cost of a brand new roof, minus only your deductible. SunSent Roofing primarily works with RCV policies to ensure a full replacement for our clients.
Q: The insurance check is less than my deductible. What now?
A: This happens often! If the adjuster's estimate is very low—less than your deductible—they will send you a letter but likely no money. Do not give up. This simply means your roof damage was not extensive enough in the adjuster's initial opinion to exceed your deductible. This is the moment to call SunSent Roofing. Our professional inspection may find hidden damage that the adjuster missed. If we find more extensive damage, we will submit our professional estimate and supplemental documents, which often triggers the insurance company to re-evaluate and approve the claim for a full replacement.
Q: Can SunSent Roofing help me find the storm date that damaged my roof?
A: Yes, absolutely. We use proprietary weather data and high-resolution storm tracking reports that pinpoint the exact dates, times, and hail size that affected your specific St. Louis ZIP code. This is vital evidence we use to properly file your claim against the correct "Date of Loss."
Q: I already had my roof "repaired" after a storm, but I still have problems. Can I file another claim?
A: You cannot file another claim for the same damage, but you can have us inspect the work. Often, quick or inexperienced repairs (especially from out-of-town "storm chasers") fail to address the core problem, or they simply failed to find the full extent of the storm damage. We can assess the entire roof and look for damage from subsequent storms you may not have claimed yet.
Your roof is your home's most important defense. It's time to stop paying out-of-pocket for damage your insurance policy already covers.
Contact SunSent Roofing today for a non-invasive roof inspection and full claims consultation. We’ll help you secure your coverage before the deadline closes for good.










