Exterior

Roofing, Siding, Gutters
Hail and Storm Damage

Storms are inevitable but they don’t have to be life shattering. We specialize in assisting homeowners and business owners with storm restoration and repairs in the St. Louis area for over 15 years. When storm damage occurs, it’s not always noticed by the homeowner or business owner. In fact, in can take a year or two before leaks resulting from a wind or hail storm appear, resulting in damage to your home’s interior. At Pro Mod Construction, we know the importance of getting the damage assessed and repaired, and we’re here to help you through the process. Our team of storm restoration specialists will inspect the damage and assist with all roof repairs and roof replacements. Call us at 314-200-4181 to schedule a complimentary, no-hassle roof inspection.

STRESS FREE

It’s stressful enough dealing with a storm damaged roof, so the last thing you want to worry about is dealing with a fly-by-night roofing company. When working with Pro Mod Construction storm restoration team, you will enjoy peace of mind knowing we are a licensed and insured family owned business serving the

St. Louis area for over 15 years.

WE’RE WITH YOU EVERY STEP OF THE WAY

If you’ve never filed an insurance claim, it can be confusing. Having worked with most insurance companies in the St. Louis areas, our roofing team is up to speed on the insurance industry standards relating to wind and hail damage. They will provide an assessment of the condition of your roof, gutters, windows, doors siding – in terms you can understand. We will meet with your insurance adjuster and make sure that you get everything you deserve. Our expertise comes from working with a wide array of insurance adjusters; enabling a broad understanding of certifiable damage and coverage parameters.

HAIL DAMAGE, WINDSTORM DAMAGE & INSURANCE FAQ

There are a few important things to understand about storm damaged roofs and the insurance claims process:

• Hail damage may not be visible from the ground unless the hail broke through plywood decking or broke out skylights. You’ll need a professional inspection to find out if your home is damaged.
• Be aware there is a time limit for submitting an insurance claim. If you miss the deadline to file a claim, you are stuck with a damaged roof unless you pay out-of-pocket for the roof repairs or replacement.
• Most homes can be re-roofed in a few days.
• Make sure you understand how your deductible will be paid before you sign with a roofing contractor.
• Your insurance company keeps all of the savings when you go with a bid lower than their estimate. The difference between your insurance company’s estimate and the cheapest bid can’t be used to help pay your deductible.
• The paperwork you receive from your insurance company includes an estimate for roof repairs. If the estimate amount isn’t large enough to replace your roof, don’t worry. It’s only an estimate – not a final insurance settlement.
• Insurance companies cannot cancel your policy or raise your rates for weather related claims. However, when you’re involved in a catastrophe, your insurance company may raise rates on everyone impacted in order to stay in business.
• If you have homeowners insurance, your roof is covered.
• There are two primary types of policies: Replacement Cost Value and Actual Cost Value. Every policy has a deductible.
• The deductible is the portion of your claim that is not covered by your insurance company.
• You are responsible for your deductible which will be a specific amount ($500, $1000, $2000 etc.), or a percentage of your home’s value (usually 1% to 2%).
• After the adjuster has been out to your home, it usually takes around two weeks to receive a check.