Holiday weekends produce a disproportionate share of discovered roof leaks, and the reason is simple: you are home, the house is full, and someone finally looks up at the ceiling. Thanksgiving falls on November 26 this year, and it lands right after the average first hard freeze in St. Louis. If water is coming in…
Missouri wind and hail deductibles have shifted from flat amounts of $1,000 to $2,500 toward percentage-based structures of 1 to 3 percent of your home’s insured value. On a $350,000 home, a 2 percent wind and hail deductible is $7,000. That single change has flipped the math on a large number of roof claims, because…
When a hail storm hits your St. Louis neighborhood, the next 30 days determine whether you get a properly repaired roof covered by insurance or a drawn-out claims fight with mounting damage. The National Weather Service confirms St. Louis averages 3 to 5 significant hail events per year, and the path from storm to completed…
Your neighbor just got a brand new roof paid for by insurance after the same storm that hit your house. You are wondering: will my insurance pay for mine too? The answer depends on four factors that vary from house to house even on the same street: your policy type (RCV vs. ACV), your roof’s…
Missouri homeowners insurance carriers have been shifting wind and hail deductibles from flat-dollar amounts to percentage-based structures tied to your home’s insured value. A homeowner with a $300,000 policy and a 2% wind/hail deductible now faces $6,000 out of pocket before insurance pays anything on a storm damage claim. That is four to six times…
Every spring, St. Louis homeowners start hearing the same phrase on local weather broadcasts: severe thunderstorm warning with large hail possible. It’s part of life in the region. The greater St. Louis metro sits squarely in the central U.S. severe weather corridor, and the stretch from late March through early July is prime time for…
If you’ve ever shoveled snow off your roof or hired someone to do it, only to see ice dams return weeks later, you’re not alone. Many St. Louis homeowners believe ice dams are caused by snow buildup alone. Remove the snow, remove the problem — right? Unfortunately, that’s not how ice dams work. Ice dams…
After a hail or windstorm, many Missouri homeowners wait to act because the roof looks fine at first. Weeks or months later, a leak appears and the same question comes up. Is it too late to file a storm damage insurance claim? The answer depends on timing, documentation, and your specific policy. Understanding how insurers…
Every winter, St. Louis homeowners notice the same troubling signs: water stains on walls, damp window headers, peeling paint near ceilings, or moisture collecting around trim. The immediate assumption is almost always the same — the roof must be leaking. But in many older brick homes across neighborhoods like Clayton, University City, Kirkwood, The Hill,…
After a snowfall, take a walk down your street. You’ll notice something interesting: no two roofs melt the same way. Some stay evenly snow-covered for days. Others show bare patches, stripes, or rapid runoff even when temperatures remain below freezing. Those melting patterns are not random. They are visual clues that reveal exactly how heat…
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