Hail damage to shingles, metal & siding
Hail bruises shingles and dents metal roofing, siding, gutters, and vents — damage that’s easy to miss from a ladder. We document every slope.
Hail, wind, or a fallen tree damaged your roof, and the insurer approved a patch, blamed wear and tear, or held back depreciation. We help Missouri homeowners and businesses statewide when a roof or hail claim is denied or underpaid. Free claim review.
Why roof claims stall
Missouri sits in hail country. Storm season peaks from March through June with large hail and straight-line winds, and in 2026 big hail hit the Kansas City Northland in March and southwest Missouri in April. After a big storm, adjusters move fast and roof damage gets missed.
You don’t have to accept the first estimate. In Missouri, an insurer that refuses to pay a covered loss without reasonable cause or excuse can owe added damages and attorney’s fees under the vexatious refusal statute. We bring an independent inspection and press for the real cost.
"Within two weeks of hiring them, the adjuster came back out. Within two months, my claim was paid in full, about 4× what the carrier originally offered."— Marcus T. · Wind Claim
Roof claims we handle
Whether your hail damage insurance claim was denied, cut to a repair, or stuck in review, we can help.
Hail bruises shingles and dents metal roofing, siding, gutters, and vents — damage that’s easy to miss from a ladder. We document every slope.
Straight-line winds lift tabs, break seals, and tear shingles away. Creased shingles can look fine but no longer hold. We show the damage the carrier didn’t count.
“Old roof” is a common reason claims get cut, but age and storm damage aren’t the same. We tie the damage to the storm date and challenge denials that skip that step.
Carriers often price a repair, or a few slopes, when the roof needs replacing. If new shingles can’t match, a patch leaves a visible mismatch. We check what the policy says.
Many replacement-cost policies pay actual cash value first and hold back depreciation until the roof is replaced. We check the math and push to get the holdback released.
Water that came in through storm damage ruins ceilings and drywall, and a tree through the roof adds framing and debris costs. The claim should cover the inside too.
Other Missouri claims we handle
Missouri roof claim guide
Every roof claim turns on its own policy and facts, so treat this as general information, not legal advice.
Keep dated photos of bruised shingles, creased tabs, and dented gutters, vents & flashing; the storm date and National Weather Service storm reports; any pre-storm roof photos; and an independent inspection of every slope, not just one.
On a replacement-cost policy, the first check is often actual cash value — replacement cost minus depreciation. The holdback is usually recoverable once the roof is replaced, within the policy’s time limits.
When part of a roof is replaced, new shingles may not match. Whether the insurer owes a uniform roof turns on your policy wording, such as “like kind and quality,” and on whether matching shingles are still made.
Under RSMo 407.725, a roofer can’t advertise or promise to pay or rebate your insurance deductible, and can’t negotiate your insurance claim for you. If your insurer tells you in writing that all or part of the claim isn’t covered, you can cancel the roofing contract before midnight of the 5th business day after that notice.
Missouri claim-handling rules (20 CSR 100-1) require an insurer to accept or deny a claim within 15 working days after it receives the forms needed to establish it, or tell you in writing why it needs more time. A denial must be in writing and cite the policy provision relied on.
Missouri generally allows 10 years to sue on a written contract such as an insurance policy (RSMo 516.110), and RSMo 431.030 voids policy clauses that shorten the time to sue. Your policy may still have shorter deadlines, such as for notice or proof of loss, that you have to meet.
If the only dispute is the amount, many policies allow appraisal, and Missouri courts enforce appraisal clauses to set the amount of a covered loss; appraisal does not decide coverage. Missouri licenses public adjusters, who negotiate for a percentage fee but can’t give legal advice or file suit.
The Missouri Department of Commerce and Insurance (DCI) takes consumer complaints online at insurance.mo.gov. It can contact your insurer and require a response, but it can’t act as your lawyer or decide what a disputed claim is worth.
Roof claim checklist
Check these before you sign a release or book a patch job.
Stay off the roof. From the ground, photograph each slope you can see, plus gutters, vents, siding, and hailstones beside a coin. Keep the estimate, every letter, roofer quotes, and repair receipts.
Which slopes did you inspect? Why a repair, not a replacement? How much depreciation was held back, and how do I recover it? Which policy provision supports the decision? Get answers in writing.
Get your own inspection if the estimate covers only a few slopes or calls fresh damage wear and tear. Call a lawyer before signing a release or accepting a “final” payment, or if a deadline is near.
Why Missouri homeowners call us
We never represent insurance companies.
So there’s no conflict when we tell an adjuster the roof needs replacing.
We never work for carriers, so when we dispute a wear-and-tear denial, the insurer knows we have no relationships to protect.
We work on contingency — no fee unless we win, with no retainer or hourly bill. If there is no recovery, you owe no attorney’s fee, but you are still responsible for case costs and litigation expenses. We explain fees and costs in writing first.
We review Missouri roof and hail claims by phone and video statewide, from St. Louis and Kansas City to Springfield, Columbia and Joplin. The firm’s principal office is at 80 SW 8th Street, Suite 2590, Miami, FL 33130.
Missouri hail in 2026
Two 2026 storms dropped very large hail on Missouri roofs. If yours was hit and the estimate covers only a repair or a few slopes, it deserves a full, slope-by-slope second look. We review Missouri claims by phone and video statewide.
A supercell crossed southwest Missouri from Barry County toward Camden County, and NWS Springfield measured hail up to 4.75 inches. Insurers took thousands of Missouri claims, and FEMA-4924-DR and an SBA disaster declaration for Greene and neighboring counties followed in summer 2026.
Very large hail struck the Kansas City Northland in Platte and Clay counties. Large hail can bruise shingles and dent metal without obvious leaks, so damage is easy to miss on a quick inspection.
St. Louis, St. Louis County, St. Charles and O’Fallon; Kansas City, Independence, Lee’s Summit, Liberty and the Northland; Springfield, Nixa and Ozark; Columbia, Jefferson City, Joplin, Cape Girardeau and St. Joseph. If the roof is in Missouri, we can review the claim.
Our process
We handle the adjuster, the inspections, and the paperwork.
Free and confidential. Send the declarations page, the adjuster’s estimate or denial letter, and your roof photos.
Independent roofers and engineers inspect every slope, document what the carrier missed, and price a proper repair or replacement, including matching and interior damage.
We send a documented demand showing what the roof claim is worth and where the estimate falls short. Many disputes resolve here, and we explain appraisal if it fits.
If they still won't pay fairly, the claim can go to suit in Missouri circuit court or federal court, with the resources to take it all the way.
Past results
Every claim is different. These are recoveries our attorneys obtained for policyholders after a lowball offer or wrongful denial.
These results were obtained for clients in other states, not in Missouri. Past results afford no guarantee of future results, and every case is different and must be judged on its own merits.
What clients say
"I was about to accept $11,000 from my carrier for a roof I'd been quoted $38,000 to replace. Property People Law got me $46,500 and handled the whole thing. I literally never spoke to the adjuster again."
"They were calm, clear, and didn't talk down to me. Within a day I knew what my options were. Six months later my house was actually fixed, not patched."
These client experiences come from clients in other states, not in Missouri. Past results afford no guarantee of future results, and every case is different and must be judged on its own merits.
Roof & hail claim questions
Usually, yes. Most Missouri homeowners policies cover sudden hail and wind damage to the roof. Disputes tend to be about how much damage there is, whether this storm caused it, and whether a replacement is owed.
It depends on how far the damage runs, whether a proper repair is possible, and your policy. If damage covers much of the roof, or shingles can’t be patched well, a replacement may be owed.
Ask for the inspection report and photos behind it, and compare them with the storm date, weather reports, and an independent inspection. Age doesn’t explain fresh hail bruises, so a blanket wear-and-tear denial is worth challenging.
Many replacement-cost policies pay actual cash value first — replacement cost minus depreciation — and hold back the rest until the work is done. Your deductible comes out too.
Check your policy’s loss settlement section. It usually requires you to replace the roof and claim the holdback within a set time, often with an invoice. Ask in writing and keep copies.
It depends mainly on your policy wording, such as “like kind and quality,” and on facts like whether matching shingles are still made and how visible a mismatch would be.
No. Under RSMo 407.725, a roofing contractor can’t advertise or promise to pay or rebate your insurance deductible, and can’t negotiate the insurance claim on your behalf. A roofer can inspect, estimate, and repair the roof.
Often, when wind or a storm brings it down on your home. Coverage usually reaches roof and structural repairs, interior water damage, and some debris removal, subject to policy limits.
Under 20 CSR 100-1, an insurer must accept or deny a claim within 15 working days after it receives the forms needed to establish it, or tell you in writing why it needs more time. A denial must be in writing and cite the specific policy provision relied on.
Missouri generally allows 10 years to sue on a written contract such as an insurance policy (RSMo 516.110), and RSMo 431.030 voids policy clauses that shorten the time to sue. Your policy may still have shorter deadlines, such as for notice or proof of loss, that you have to meet.
What people often search for as bad faith is handled in Missouri as vexatious refusal (RSMo 375.420). If an insurer refuses to pay a covered loss without reasonable cause or excuse, a court or jury may add damages of up to 20% of the first $1,500 of the loss and 10% of the loss above $1,500, plus a reasonable attorney’s fee. A genuine dispute over coverage or amount is generally not vexatious.
We work on contingency — no fee unless we win, and no retainer or hourly bills. If there is no recovery, you owe no attorney’s fee, but you are still responsible for case costs and litigation expenses. The first review is free.
Often, if your policy has an appraisal clause and the dispute is only about the amount. Missouri courts enforce appraisal clauses to set the amount of a covered loss, but appraisal does not decide coverage. Read the clause and its steps before you invoke it.
Free roof claim review
Roof insurance claim denied or underpaid? Send us the estimate or denial letter, and we’ll review it and tell you straight whether it’s worth disputing. Free, confidential, no obligation. We don’t handle car or auto accident claims.