Storm Damage Roofing in St. Louis

What hail and wind actually do to an asphalt roof

Hail bruises a shingle — it fractures the mat and knocks away the protective granules that shield the asphalt from UV. The damage often isn't obvious from the ground, but those bruises shorten the roof's life and can void manufacturer coverage if left unaddressed.

Wind lifts and creases shingles, breaks their factory seal, and tears at ridges, rakes and flashing. Once the seal is broken, the next storm drives water underneath. That's why a roof can look fine and still be failing.

What to do in the first 48 hours

• Stay safe — don't climb the roof. Document what you can see from the ground.
• Photograph any interior water stains, fallen debris, and dented gutters, screens or A/C fins (good hail indicators).
• Call for a free, documented roof inspection before you file — so you know what you're dealing with.
• Keep receipts for any emergency measures (like tarping) you take to prevent further damage.

Why a documented inspection matters

Insurance decisions are made on evidence. We photograph and mark test squares, chalk hail hits, and document wind and flashing damage in a report you keep — whether or not you hire us. That record is what turns a vague claim into an approved one.

What Loxley provides to your adjuster

• A dated, photo-documented damage report with test squares
• Clear notes on hail density, wind damage, and code-required items
• A professional scope so nothing legitimate gets missed
• A meeting on-site with the adjuster when it helps your claim

Real St. Louis-area storm photos (before/after) are being added to this page.