Signs you need a crew now
- Missing shingles, or daylight visible in the attic
- A broken window, door, or hole the rain can reach
- Water running down interior walls or pooling in the attic
- A tree or limb on the roof - stay out of that room
What happens when you call
-
Tell us what happened. 30 seconds - what's open to the sky and what's wet.
-
You're connected with a local restoration crew while you're on the line.
-
The crew confirms timing and your arrival time - tarping and board-up come first.
Why this one can't wait
An opening in the roof turns every following shower into a new loss - and your policy expects "reasonable mitigation," which means tarping and boarding fast, not waiting for the adjuster.
The crew secures the openings, photographs everything for the claim, extracts what already got in, and dries the structure before mold takes the storm's side.
Local to St. Louis City & County
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.
Serving St. Louis, Clayton, Florissant, Chesterfield, Kirkwood, St. Charles, and all of St. Louis City & County.
Storm damage questions
Is storm damage covered by insurance?
Wind and hail damage - including the rain that enters through it - is standard homeowner's coverage. Rising water from outside is flood insurance, a separate policy. See the coverage guide.
Should I wait for the adjuster before touching anything?
Generally, no. Most policies require reasonable steps to prevent further damage. Photograph everything first, then, once it's safe, tarp and start drying. Keep receipts and records of what was done before the adjuster's visit.
Can I tarp the roof myself?
Not in the wet or the dark, and not after a storm has loosened things underfoot. Crews carry the gear and the fall protection - it's included in the mitigation the policy pays for.
Flash flood came in the window wells - covered?
Rising outside water is flood insurance, not homeowner's - even a few inches through a window well. Water from your own plumbing is the standard claim.