Hail & Storm Damage Roof Repair in St. Louis
Hail damage roof repair experts St. Louis, MO
Storm damage doesn’t wait. And neither should the inspection.
Gallagher Bros has helped St. Louis homeowners through hail, wind, and severe weather damage since 1973. Whether you’re seeing missing shingles, a ceiling stain after last night’s storm, or you just want to know if there’s hidden damage worth filing a claim for, we’ll come out, climb up, and tell you what we find. No pressure. No high-pressure sales pitch. Just an honest assessment from a family business that’s been on St. Louis roofs for over 50 years.
Free inspections. Insurance claim help. CertainTeed certified. 4.9 stars across 637+ Google reviews.
What to know about filing a storm damage insurance claim
Most homeowners insurance policies in Missouri give you 12 months from the date of the storm to file a claim for hail or wind damage — but you should check your specific policy, because timelines vary by carrier. The longer you wait, the harder it becomes to prove the damage came from a specific weather event.
Here’s how the claim process typically works when you call us:
- We come out for a free inspection and document any storm damage with photos and a written report.
- If there’s damage worth claiming, we coordinate directly with your insurance adjuster — including being on the roof with them during their inspection if possible. Adjusters often miss damage that an experienced roofer will see.
- Once your claim is approved, we walk you through the scope of work, materials, and timeline before any work begins.
- We complete the work to code, photo-document everything, and submit final paperwork back to your insurance company.
A note on deductibles: any roofing contractor who offers to “cover” or “waive” your insurance deductible is asking you to commit insurance fraud. This is illegal in Missouri, and it’s one of the most common storm chaser scams. We will never offer to do this, and we’d encourage you to walk away from any contractor who does.
Hail and storm damaged roof:
- Hail Damaged Roofs
- Wind Damaged Roofs
- Tornado Damaged Roofs
- Commercial Hail Damaged Roofs
We know plenty of roofing contractors in St. Louis, Missouri, are competing for your business. At Gallagher Bros Construction, we take pride in our work as much as you would. Therefore, we understand that building successful relationships with our clients is especially relevant. As a result, our promise of excellent customer satisfaction has been the primary key to our success.
What to Do Right After a Storm
The first 48 hours after a storm are when homeowners make the most expensive mistakes. Here’s what we tell our own families to do:
- Stay off the roof. Document what you can safely see from the ground — phone photos of any visible damage, debris, or shingles in the yard. Save them.
- Don’t sign anything at the door. Storm chasers from out of state will be in your neighborhood within 24 to 48 hours. Reputable local roofers do not pressure homeowners on their doorstep. If someone shows up with a clipboard and a contract, thank them and close the door.
- Call your insurance company first. Before you call any contractor, file your claim or at least open a conversation with your insurer. Your insurance company will send their own adjuster.
- Then call a local roofer for a free inspection. Get a real assessment from a contractor with a physical St. Louis address, a long review history, and a real warranty. We’ll document the damage thoroughly and work directly with your adjuster.
If your roof is actively leaking right now, call us — we offer emergency tarping to protect your home until full repairs can be scheduled.
Signs Your Roof Has Storm Damage
After a hail or wind event, some damage is obvious — missing shingles, a tarp on a neighbor’s house, debris in the yard. But a lot of storm damage is harder to see from the ground, and that’s where homeowners get caught off guard. A roof can look fine from the curb and still have damage that will turn into a leak in six months.
Common signs of storm damage on a St. Louis roof:
- Missing, lifted, or curled shingles
- Granule pile-up at the bottom of downspouts (especially after hail)
- Dents or “bruising” on shingles, soft metal vents, or gutters
- Exposed nails or torn flashing around chimneys and skylights
- Water stains on ceilings or in the attic
- Daylight visible from inside the attic
If you see any of these — or if you just know a major storm came through and you want to be sure — we’ll come out for a free inspection and walk you through what we find. No commitment.
Hail Damage vs. Wind Damage
Both hail and wind cause distinct damage patterns, and both are typically covered by standard homeowners insurance policies in Missouri (your policy specifics may vary).
Hail damage shows up as:
- Round, dimpled “bruises” on shingles where the asphalt has been impacted
- Granule loss exposing the black mat underneath
- Dents in soft metals — gutters, vents, flashing, AC fins
- Cracks in older or brittle shingles
Wind damage shows up as
- Lifted, creased, or torn shingles, often along the edges of the roof
- Missing shingles entirely
- Damaged or missing flashing
- Gutter damage from debris impact
A storm can cause both at once, which is why a thorough inspection matters. We document everything we see — even damage you haven’t noticed yet — because insurance adjusters are more likely to approve a claim that’s well-documented up front.