Does Homeowners Insurance Cover Tornado Damage in St. Louis?
Tornadoes aren’t rare in the St. Louis area and when they hit, they can tear roofs off homes, flood basements, and destroy siding in seconds. The good news? Most standard homeowners insurance policies in Missouri cover tornado damage. But knowing how to act quickly is key to getting the full value of your claim.
What Insurance Typically Covers After a Tornado
If you have a homeowners insurance policy in St. Louis, it likely includes coverage for:
Roof repairs and replacements due to wind damage
Siding and window damage from flying debris
Interior water damage caused by holes or leaks in the structure
Tree removal if a tree falls onto your home
Temporary lodging if your house is uninhabitable
What Insurance May Not Cover
Some policies may exclude detached structures like sheds or fences unless specified. Also, flooding from rising groundwater (not direct rain damage) may require separate flood insurance.
What To Do After Tornado Damage
Take photos of everything – Roof, siding, interior damage, debris
Prevent further damage – Use tarps or hire a restoration company to stop water intrusion
File a claim immediately – The sooner you report it, the faster the process
Get a licensed inspection – Insurers require a detailed damage report
Why Call San Juans Restoration?
We’re a local St. Louis company specializing in storm damage restoration and insurance support. We’ll come out fast, assess the damage, and document everything your insurance company needs, often before they even arrive. From temporary repairs to full rebuilds, we’re your trusted local partner.
Worried about your roof or interior after a recent storm?
Get a free on-site inspection today at sanjuansrestoration.com and let us help you get covered.
