Hello, St. Louis.
Ask us anything about hail, your roof or your insurance claim. Straight answers, Missouri law included.
2026 storm tracker
Was your street in the path?
Three big storm days hit the region in 2026. Check your address against every reported storm area.
Pins mark reported storm areas from NWS and local storm reports. Approximate. Hail swaths are narrow, so damage varies block by block.
Straight answers
What St. Louis homeowners ask.
Missouri law, RSMo 407.725
Your rights, in plain English.
No deductible deals
A contractor can't advertise or promise to pay or rebate any part of your insurance deductible.
5 business days if your claim is denied
Cancel before midnight on the fifth business day after your insurer's written notice that all or part isn't covered.
Your money back
Payments must be returned within 10 business days after the contractor receives your cancellation.
Roofers can't negotiate your claim
A contractor can't represent you or negotiate for you on an insurance claim.
3 days for door to door sales
Under the federal Cooling Off Rule, most sales of $25 or more made at your home can be cancelled within 3 business days.
Report problems
Violations are unfair practices under the Missouri Merchandising Practices Act. You can file a complaint with the Missouri Attorney General.
General information, not legal advice. Sources: RSMo 407.725; FTC Cooling Off Rule.
Homeowner tools
Know your numbers before the storm.
Hail deductible
Some policies use a percentage wind and hail deductible, often 1 to 5% of dwelling coverage.
How big is too big?
Drawn to scale. Around 1 inch and up is where shingle damage starts.
Latest reports
The St. Louis roof report.
Free roof check
Get a local pro on your roof.
Four quick questions. A vetted, insured local roofer looks at your roof and tells you straight whether you have damage worth a claim.
- Local crews. St. Louis area roofers, not out of town storm crews.
- Honest answer. No damage? You'll hear that.
- No pressure. An inspection is not a contract.
Where's the roof?
We'll pull up the satellite view so you can confirm it's yours.
About how old is the roof?
A guess is fine.
Noticed any of these?
Pick all that apply.
Filed a claim yet?
For any 2026 storm.
Where should we send your roof check?
A local roofer will call or text to set a time.
You're on the list, .
A local roofer will reach out shortly. Expect a call or text shortly.
Before they arrive: find your policy's declarations page so you know your wind and hail deductible.