Our Storm Damage Process
Document the Damage
Take photos of visible damage. Do not attempt to climb on the roof. Stay safe.
Call Vulcan
Reach us immediately. We prioritize storm damage calls and respond fast.
Insurance Coordination
We work directly with your insurance adjuster to document and scope the claim.
Professional Repair
Once approved, we schedule and complete the work quickly and professionally.
We Handle the Insurance Headache
Insurance claims can be confusing and slow. We work directly with your adjuster to document damage, provide accurate scope documentation, and make sure nothing falls through the cracks. You focus on your property. We handle the paperwork.
After a Storm: Your Checklist
- Inspect your property from ground level for visible damage
- Check attic and ceilings for signs of leaks
- Photograph all damage including close-ups and wide shots
- Contact your insurance company to file a claim
- Do not make permanent repairs before the adjuster visits
- Call Vulcan Construction for a free storm damage inspection
Storm Damage Questions
What homeowners ask in the first 48 hours.
What should I do first after a hail storm?
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Stay off the roof — hail-damaged shingles can be slippery and structurally unreliable. Take photos from the ground of any visible damage, debris in gutters, or dents on cars and HVAC units (this is evidence adjusters look for). Do NOT call a roofer for a permanent repair before the insurance adjuster visits — carriers can deny claims on work they did not approve. Instead, call us for a free documentation visit first.
Will my insurance cover a new roof?
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If your roof has storm damage (hail, wind, or tree impact), most homeowner policies cover replacement minus your deductible. We work directly with your insurance adjuster to document the damage correctly and advocate for full scope. Over half of our jobs in St. Louis and Chicago are insurance-claim work.
How fast can you respond to storm damage?
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We prioritize storm calls and typically inspect within 48 hours in St. Louis and Chicago metros. For active emergencies (open hole, active leak), we can tarp within hours — call the market phone line directly.
Do I have to pay before insurance pays me?
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No. Typical flow is: deductible up front, insurance pays us the approved claim amount directly once work is complete. We can discuss deductible payment arrangements during your on-site quote.
What if my adjuster underestimates the damage?
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This is common. We provide a detailed scope with photos, measurements, and industry-standard line items that you can submit for supplement review. If the adjuster still refuses full replacement, we can recommend a public adjuster or attorney specializing in roof claims.
Related Resources
Insurance Claims
Learn how we coordinate directly with your insurance adjuster.
Storm Damage Repair in St. Louis
Serving the greater St. Louis metro area.
Storm Damage Repair in Chicago
Fast response across Chicagoland.
Storm Damage Repair in Springfield
Coverage across central Illinois.
Insurance Claim Estimator
Get a quick estimate for your insurance claim.
