What happens when you call
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Tell us what happened. 30 seconds - what burned and whether the home is secure.
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You're connected with a local restoration crew while you're on the line.
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The crew confirms timing and your arrival time - board-up comes first if the house is open.
What St. Louis crews handle
What's different in St. Louis?
St. Louis takes water from every direction - river flooding on the big years, flash-flooding downpours in between, and a brick housing stock whose century-old supply lines fail on their own schedule. Humid summers grow mold fast in wet basements, and spring severe-weather season adds roof and tornado damage to the mix.
Missouri policies cover sudden failures and storm openings; river or street water needs flood insurance, and sewer backup - common when downpours overwhelm older lines - needs its own endorsement. Wind and hail are standard perils, sometimes with their own deductible.
Your call goes to a crew based in the St. Louis area. Serving St. Louis, Clayton, Florissant, Chesterfield, Kirkwood, St. Charles, and all of St. Louis City & County.
Common questions
Can we stay in the house?
Depends on smoke spread and structural safety - the crew tells you straight after inspection. If you can't, most policies pay for temporary housing (loss-of-use coverage).
Is fire damage covered by insurance?
Typically yes. Fire is a core homeowner's peril, and coverage usually includes smoke damage, water from firefighting, board-up, and rebuilding, subject to your limits and deductible - check your declarations page for those. Ask the contractor about documentation and coordination with your adjuster.
Should I start cleaning up myself?
It's best to wait on soot cleanup. Wiping soot the wrong way can drive it deeper, and moving debris before photos may reduce what your claim can show. Waiting on cleanup doesn't mean delaying safe steps to prevent further damage, like board-up or tarping once it's safe. Photograph first.