Great experience! Very professional and the quality of work was excellent. They showed up on time, communication was great, the whole process easy. Highly recommend!!
S
Susie
St. Charles, MO
Great conditions for a free roof inspection today.
StCharlesRoof.com helps St. Charles County homeowners through the entire roof insurance claim process: documenting hail and wind damage with adjuster-grade evidence, filing the claim, meeting the insurance adjuster on the roof, and re-inspecting denied claims. On a covered claim, you pay your deductible and never the difference. That's Missouri law, and it's how we work.
A Missouri roof insurance claim works in five steps: document the storm damage with a professional inspection, file the claim with your insurer, meet the adjuster on the roof to agree on scope, receive the approved settlement minus your deductible, and complete the covered repairs or replacement. Missouri policies generally allow 12 months from the date of loss to file.
The difference between a smooth claim and a nightmare is almost always step one and step three. Here's each step the way we run it:
Calling your insurer before anyone has been on the roof is the most common claim mistake in the county. You may file a claim for damage that doesn't justify one, or describe damage so vaguely the claim starts underscoped. Our inspection is free and produces a photo report of every slope, chalk-tested the way adjusters evaluate hail. Then you decide, with evidence, whether a claim makes sense.
If the damage justifies it, you file, and we make sure the date of loss ties to a documented St. Charles County storm event, which matters. The county's recent record includes the March 14, 2024 hail corridor and the measured 2-inch hail of May 16, 2025, both well documented by the National Weather Service and insurers.
Scope gets decided on the roof, not at a desk. Your adjuster inspects, and we're standing there with our documentation so every damaged slope, vent, flashing, and accessory gets counted. Homeowners who skip this step routinely get scopes missing 20 to 40 percent of the real damage, not from bad faith, but because one set of eyes misses things.
Most policies pay in two checks: actual cash value up front, then recoverable depreciation after the work completes. We walk you through your specific numbers, what your deductible covers, and what supplements are, so nothing about the money is a mystery.
The roof gets replaced or repaired to CertainTeed Master Craftsman standards with a 5-year written workmanship warranty, and we provide the completion documentation your insurer needs to release final payment.
Adjusters miss damage, especially subtle hail bruising on aged shingles. If your claim was denied or underscoped, we re-inspect free. If we find documented damage the first inspection missed, you can request a re-inspection with our evidence in hand. If we agree with the denial, we tell you that too, because our name is on the report either way.
Under Missouri law (RSMo § 407.725), it is illegal for a contractor to pay, waive, or rebate a homeowner's insurance deductible on exterior repair work. Homeowners who accept such offers can end up with inflated claims or cut-rate work. On a covered claim, the homeowner's only out-of-pocket cost should be the deductible itself.
Storm chasers use "free roof, we eat the deductible" as their opening line. It's illegal, and it tells you exactly how they treat scope, materials, and the truth. We put this law on our website because knowing it protects you no matter who you hire.
Hail and wind are acts of God, not fault claims, and Missouri insurers generally can't single out one homeowner for a rate hike over a single weather claim. Regional rates in hail country rise either way. Not filing a legitimate claim doesn't shield you from that; it just means your roof absorbed the storm and your premiums funded everyone else's.
If any of these sound like your situation, a free documented inspection is worth it:
| StCharlesRoof.com | Storm Chasers | |
|---|---|---|
| Free documented roof-level inspection | — | |
| Chalk-tested, photographed damage report | — | |
| Meets your adjuster on the roof | — | |
| Local address, local crews, stays after the job | — | |
| 5-year written workmanship warranty | — | |
| Follows Missouri deductible law (RSMo § 407.725) | — | |
| Re-inspects denied claims free | — | |
| Pressure to sign on your doorstep | — |
Great experience! Very professional and the quality of work was excellent. They showed up on time, communication was great, the whole process easy. Highly recommend!!
Susie
St. Charles, MO
Great company to work with! They did an awesome job, showed up when they said they would, and everything turned out great. Definitely recommend!
Sherry
Lake St. Louis, MO
They showed up on time, and did high-quality work. My new roof looks amazing, and they made the whole process easy. I would recommend them to anyone needing roofing work.
Dylan
O'Fallon, MO
One inspection tells you everything: what's damaged, what it costs, and whether insurance should be paying for it. Free, documented, and no-obligation for every home in St. Charles County.
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