Storm Damage Insurance Claims: What St. Louis Homeowners Miss Most
Filing a storm damage claim can be stressful—especially when you’re dealing with leaks, broken shingles, or worse. But even more frustrating is when insurance only covers part of the repair, leaving you with out-of-pocket costs.
Unfortunately, many St. Louis homeowners overlook critical details during the inspection and claims process. That’s where things go wrong.
This guide breaks down the most commonly missed storm damage and how to file smarter—so you can get the full coverage you’re owed.
Understanding Your Insurance Policy
Every homeowner’s policy is different, but most in Missouri follow a few general rules for storm-related claims:
Wind, hail, and water intrusion are typically covered
Damage must be sudden, not due to neglect or age
Claims usually need to be filed within 1 year (or sooner)
Only the damaged portion is covered unless full replacement is approved
Always request a copy of your full policy if you’re not sure what’s included—it’s your right.
Top Overlooked Damages in STL Homes
Even experienced adjusters can miss less obvious damage—especially when it’s not visible from the ground. Commonly missed items include:
Lifted or creased shingles that may not be missing but are no longer waterproof
Flashing around chimneys and vents that has come loose or cracked
Attic leaks or mold, which appear days or weeks after the storm
Siding punctures from hail, which look like paint blemishes at first glance
Window seals that break from high-pressure wind impact
San Juans Restoration does a full inspection using drones, attic moisture meters, and thermal imaging to catch these early—before they turn into major repairs.
Tips for Claim Documentation
Strong documentation is the key to a successful claim. Here’s what we recommend:
Take detailed photos of all exterior and interior damage
Include timestamped weather screenshots from the day of the storm
List every damaged area by room or section (roof, gutters, windows, siding, attic, basement)
Save any receipts for emergency tarping or water extraction
Let us handle this for you. We create a photo report and restoration estimate you can submit directly to your adjuster.
Getting Adjuster Support from SJR
We don’t just do the repairs - we guide you through the process. When you work with San Juans Restoration, we:\n- Meet your adjuster on-site to walk through the damage
Provide professional insight on repair costs and code upgrades
Ensure no damage is missed, undervalued, or denied
Handle all communication and updates with your insurance company
Our clients throughout Ballwin, Kirkwood, and Belleville have recovered thousands more just by having us involved in the claim process.
Don’t Leave Money on the Table
If your home was damaged in a recent storm, make sure your claim includes everything it should. Hidden damage and weak documentation are two of the biggest reasons claims get underpaid.
Call San Juans Restoration today for a free inspection and full insurance report - we make sure nothing gets missed.
