Storm Damage
After the storm, we handle everything.
Missouri’s hail season runs April through June, and one bad afternoon can bruise every slope on your roof. We document the damage, help you file, meet your adjuster on the roof, and build what the claim approves — start to finish.
The Claim
From Hailstorm to Handshake
Four steps from the storm to a finished roof — and you're never alone with the insurance company for any of them.
Inspect & Document
We get on the roof, chalk-mark every hail strike and wind crease, and photograph all of it — the evidence file the whole claim rests on.
File With Your Insurer
You open the claim with our documentation in hand, so the first thing your insurer sees is proof, not a hunch.
Adjuster Meeting — We Attend
When the adjuster comes out, we’re on the roof with them, walking through the same damage we documented so nothing gets missed.
Build
Claim approved, we build to the approved scope — tear-off to magnet sweep, usually in one day, backed for 25 years.
We work with all major insurers — State Farm, Allstate, American Family, USAA, Farmers, and the rest — and we speak their scope language fluently.
The Scope
What's Included
Hail & Wind Assessment
We check every slope for hail bruising, granule loss, creased tabs, and wind-lifted shingles — damage that’s invisible from the ground today and obvious two winters from now.
Photo Documentation
Every strike chalk-marked and photographed, every slope measured. Your claim is only as strong as its evidence file, so we build a thorough one.
Emergency Tarping
If water is coming in tonight, we tarp first and talk paperwork tomorrow. Stopping active damage always comes before the claim.
Adjuster Meeting — We Attend
We’re on the roof with your insurance adjuster, walking them through the same damage we documented, so nothing gets missed, minimized, or waved off.
Supplement & Scope Review
We compare the adjuster’s estimate line by line against our own documentation, and when something’s missing — a slope, code-required items, damaged flashing — we file the supplement with the evidence attached. You shouldn’t settle for a thin scope because nobody checked it.
Depreciation Recovery
On most replacement-cost policies, the insurer holds back part of the payout until the work is finished and documented. We prepare and submit the completion certificate that releases that held-back money to you.
Full Scope Build
Once the claim is approved, we build to the approved scope — decking, ice-and-water shield, shingles, ridge vents — same crew and same 25-year workmanship warranty as any roof we build.
The Damage
What Hail Actually Does to a Roof
A hailstone rarely punches a hole. What it does is subtler and slower: the impact bruises the shingle — fracturing the fiberglass mat inside and knocking loose the granules at the strike point. The roof doesn’t leak that day. But granules are the shingle’s sunscreen, and every bare spot now takes direct UV, drying out and cracking the exposed asphalt years ahead of schedule. A hail-hit roof is a roof aging on fast-forward, and the bill arrives two or three winters after the storm — usually after the claim window has closed.
This is why hail damage is nearly invisible from the ground, and why the neighborhood tells you more than your own driveway view does. Look for the side effects: granules accumulating in gutters and downspouts, dents in soft metal — gutters, downspouts, vents, the fins on your AC condenser — and mailbox-mounted roofing signs multiplying down the street. The bruises themselves take a trained eye on the roof, chalk in hand, checking every slope. That’s the inspection we do for free, and the photo file it produces is what a strong claim is built on.
The Paperwork
How the Claim Really Works
Most homeowner policies pay roofs at replacement cost value (RCV), and RCV claims pay in two checks. The first arrives after approval: the actual cash value — the scope minus depreciation for your roof’s age — less your deductible. The second, the recoverable depreciation, is released only after the work is completed and documented. Homeowners who don’t know about the second check sometimes never collect it, or take the first check and pocket it without building the roof, which forfeits the rest. If your policy is ACV-only, the depreciation is never recoverable — worth knowing before hail season, not after.
Then there are supplements. Adjusters work fast and estimates miss things — a slope, ice-and-water shield the local code requires, flashing that can’t be reused. A supplement is the formal request to add missed items to the scope, backed by documentation, and it’s normal on roofing claims — not a fight, just paperwork done properly. It’s also a big part of why we photograph everything before you file and meet the adjuster on the roof.
One more thing Missouri homeowners should know: state law (Section 407.725, RSMo) makes it illegal for a contractor to pay, waive, or rebate your insurance deductible — so anyone offering to “eat” it is proposing insurance fraud with your name on the claim. The same statute gives you the right to cancel a contractor’s contract within five business days of your insurer denying the claim. A roofer who explains those rules to you unprompted is the kind you want on your roof.
Our Promise
25 Years.
In Writing.
An insurance roof from Korvix isn’t a patch job — it’s a full replacement carrying the same 25-year workmanship warranty as any roof we build. The storm paid for it; we stand behind it.
Straight Answers
Common Questions
Free Inspection
After the storm, before the next one.
A free storm inspection tells you honestly whether you have a claim — and if you do, we handle it start to finish.