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What Our Customers Are Saying About Our Hail Damage Roof Repair
Expert Hail Damage Roof Repair Services in Columbia, MO and Mid Missouri
After a hail storm hits Central Missouri, your home needs a professional inspection to assess the full extent of roof hail damage. At CoMo Premium Exteriors, we understand that dealing with storm damage can feel overwhelming. That’s why we’ve helped hundreds of Mid Missouri homeowners navigate the roof repair process and insurance claims for over 25 years.
Why Mid Missouri Homeowners Trust CoMo Premium Exteriors
As a local roofing company based in Columbia, MO, we know Central Missouri weather. Severe hail and high winds can wreak havoc on your home’s exterior, causing everything from minor damage to a few shingles to significant damage requiring a full roof replacement. Here’s what sets us apart as your roofing contractor:
- Triple Certification: We’re the ONLY contractor in Mid Missouri certified as GAF Master Elite (top 3% nationwide), OC Platinum Preferred, and James Hardie Elite Preferred
- Insurance Claim Expertise: Our team works directly with your insurance company and insurance adjuster to document all roof damage and ensure fair compensation
- 25+ Years Experience: We’ve completed over 500 hail damage roof repair projects across Columbia and surrounding areas
- Manufacturer-Backed Warranties: Our certifications mean you get the best warranty coverage available on materials and labor
What Does Hail Damage Look Like on a Roof?
Many property owners don’t realize their roof has sustained hail damage until water leaks appear inside their home weeks or months later. Understanding the telltale signs of roof hail damage helps you take action before minor issues lead to further damage and more expensive repairs.
Signs of Hail Damage on Asphalt Shingles
After a hailstorm, inspect your home’s exterior from the ground or hire a professional roofing contractor to get your roof inspected. Look for these common indicators:
- Dents and Bruises: Hailstones leave small dents or dings on shingles. Run your hand across the surface to feel for soft spots where granules have been knocked loose
- Granule Loss: Check your gutters and downspouts for excessive granules. Granule loss exposes the underlying asphalt, leaving your roof vulnerable to UV damage and water leaks
- Cracked or Missing Shingles: Severe hail can crack shingles or knock them completely off. Even a few shingles missing compromises your roof’s protection
- Exposed Fiberglass Mat: Dark spots where the fiberglass is visible indicate enough damage to warrant repairs
Hail Damage on Metal Roofs and Other Materials
Metal roofing typically handles hail better than asphalt shingles, but larger hailstones can still cause dents. Slate and cedar shake roofs can suffer cracks and punctures from hail impact. Regardless of your roofing materials, a professional inspection is crucial after any severe storm.
Beyond the Roof: Check Your Home’s Exterior
Hail doesn’t just hit your roof. Inspect your siding, gutters, windows, and doors for damage. Dents on aluminum siding, cracked window frames, and damaged flashing around roof vents all indicate storm damage that your insurance may cover.
Filing an Insurance Claim for Hail Damage Roof Repair
Navigating the insurance claim process doesn’t have to be stressful. We’ve worked with every major insurance company in Missouri and understand what adjusters look for when assessing hail damaged roofs. Here’s what you need to know to make informed decisions about your claim.
Understanding Your Insurance Coverage
Most homeowners insurance policies cover hail damage, but your deductible and coverage limits vary. There are two common types of coverage:
- Replacement Cost Value (RCV): Your insurance company pays to replace your existing roof with similar materials at current prices
- Actual Cash Value (ACV): Insurance kicks in but pays what your roof is worth today, accounting for depreciation on older roofs
Review your policy or contact your insurance company to verify your coverage before filing a claim. As a general rule, only file a claim when the repair costs exceed your deductible.
Steps to Filing Your Claim
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How CoMo Premium Exteriors Helps with Insurance Claims
While Missouri regulations prevent us from directly representing you to your insurance company, we provide expert support throughout the process. Our familiarity with insurance adjusters and their inspection criteria helps ensure you receive fair treatment. We can provide a detailed estimate, meet with your adjuster, document all damage with photos, and answer questions about the repair process.
Hail Damage Roof Repair Costs: What to Expect
Understanding repair costs helps you make informed decisions and avoid surprises. The total cost of hail damage roof repair depends on several factors.
Factors That Affect Repair Costs
- Extent of Damage: Minor damage like replacing a few shingles costs less than a full roof replacement. A professional inspection determines whether you need repairs or replacement
- Roof Size: Larger roofs require more materials and labor costs. Roofing is typically priced per square (100 square feet)
- Roofing Materials: Asphalt shingles are the most affordable option. Metal roofing, slate, and cedar shake cost more but last longer
- Roof Pitch and Access: Steeper roofs require additional safety equipment and take longer to work on
- Location: Average costs vary by region. In Mid Missouri, we offer competitive pricing while using premium materials
Repair vs. Full Roof Replacement
Sometimes a hail damaged roof can be repaired rather than replaced. As a general rule, if damage affects less than 30% of your roof and your existing roof has significant life left, repairs may be the better option. However, if you’re dealing with severe damage, water leaks, or an older roof near the end of its life, a full replacement provides better long-term value.
We never recommend unnecessary work. Our professional inspection helps determine the most cost-effective approach for your situation. Whether you need minor repairs or a new roof, we provide transparent pricing with no hidden fees.
Why DIY Roof Repair Isn’t Worth the Risk
While it might be tempting to save money by fixing hail damage yourself, roof work is dangerous and technical. Here’s why professional help is worth the investment:
- Safety Concerns: Walking on a damaged roof without proper equipment is dangerous. Even experienced contractors use safety harnesses and take precautions
- Hidden Damage: Without training, you might miss damage that leads to water leaks and bigger problems down the road
- Warranty Issues: DIY repair can void manufacturer warranties. Our certified installation keeps your warranty intact
- Insurance Requirements: Most companies require licensed contractors to perform repairs covered by insurance claims
- Quality of Work: Improper repairs often lead to further damage and more expensive fixes later
We offer free inspections so you understand exactly what work is needed. Call us at (573) 424-9008 for honest advice about your roof’s condition.
Our Hail Damage Roof Repair Process
<h4>Step 1: Professional Roof Inspection</h4>
We conduct a thorough inspection of your roof, siding, gutters, windows and doors. We assess the extent of storm damage, document all hail impacts with photos, and prepare a detailed report for your insurance claim.
<h4>Step 2: Insurance Claim Support</h4>
We help you file your insurance claim with proper paperwork and documentation. We can meet with your insurance adjuster to walk through all the damage and ensure nothing is missed in the scope of work.
<h4>Step 3: Quality Repairs</h4>
Once your claim is approved, our team schedules the work. We use premium materials from GAF and Owens Corning, installed to manufacturer specifications. Our certified crews protect your property and clean up completely when done.
<h4>Step 4: Final Walkthrough</h4>
After completing your hail damage roof repair, we do a final inspection with you. We review all work, answer your questions, and provide warranty documentation. Your new roof is ready to protect your home for years to come.
Choosing the Right Roofing Contractor After a Hail Storm
After severe hail, you’ll see trucks from out-of-state contractors knocking on doors throughout Mid Missouri neighborhoods. While not all storm chasers are dishonest, hiring a local roofing company protects your investment in several important ways.
What to Look For in a Roofing Contractor
- Local Presence: A local company with an established reputation will be here years from now if you need warranty work. We’ve served Columbia, MO and surrounding areas for over 25 years
- Proper Licensing and Insurance: Verify the contractor is licensed in Missouri and carries liability insurance and workers compensation. Ask for proof
- Manufacturer Certifications: Certifications like GAF Master Elite, OC Platinum Preferred, and James Hardie Elite Preferred indicate proper training and access to better warranties
- No Pressure Sales: Be cautious of contractors who pressure you to sign contracts immediately or ask for large deposits. A reputable company gives you time to make informed decisions
- Clear Communication: Your contractor should explain the process, answer questions, and keep you informed throughout the job
- Written Estimates: Get detailed estimates that itemize materials, labor, and any additional costs. Compare scope of work, not just total cost
- References and Reviews: Check online reviews and ask for local references. A company with a strong track record will be happy to provide them
- Warranty Coverage: Understand what’s covered and for how long. Our manufacturer certifications mean you get enhanced warranty options
Frequently Asked Questions About Hail Damage Roof Repair
How does hail damage a roof?
Hail can damage your roof in several ways depending on the size, speed, and density of the hailstones. On asphalt shingles, hail creates dents and bruises that knock loose the protective granules. This granule loss exposes the underlying material to UV rays and water damage. Severe hail can crack, displace, or completely knock off shingles. Metal roofing typically shows dents from hail impacts. Slate and cedar shake roofs can crack or puncture. Even quarter-sized hail can cause enough damage to warrant repairs, though the damage may not be visible to an untrained eye. That’s why a professional roof inspection after any hailstorm is crucial.
What does hail damage look like on a roof?
The telltale signs of hail damage on a roof include: dents or dings on shingles that feel soft when pressed, areas of granule loss that appear darker or shinier than surrounding shingles, cracked or broken shingles, exposed fiberglass mat on asphalt shingles, and random damage patterns across the roof surface. You may also notice damage on metal roof vents, gutters, and flashing. Inside your home, check for water stains on ceilings that could indicate leaks from hail damage. While some damage is visible from the ground, a professional inspection often reveals damage that homeowners miss.
Will my insurance cover hail damage roof repair?
Most homeowners insurance policies cover hail damage as it’s considered an act of nature. However, your coverage depends on your policy type, deductible, and coverage limits. Replacement Cost Value (RCV) policies pay to replace your roof at current prices, while Actual Cash Value (ACV) policies factor in depreciation. Review your policy or contact your insurance company to understand your coverage. As a general rule, only file a claim when repair costs exceed your deductible. CoMo Premium Exteriors can help you determine whether filing a claim makes sense for your situation.
How long do I have to file a hail damage insurance claim?
In Missouri, most insurance companies require you to file a hail damage claim within one year of the storm. However, some policies have shorter time limits. It’s best to schedule a professional inspection as soon as possible after a hailstorm and contact your insurance company promptly if damage is found. Waiting too long can make it harder to prove the damage was caused by a specific storm, and you may exceed your policy’s filing deadline.
Can CoMo Premium Exteriors help with my insurance claim?
Yes, we provide comprehensive insurance claim support. While Missouri regulations prevent us from directly representing you to your insurance company, our expertise makes the process easier. We provide a free professional inspection, document all damage with detailed photos and notes, prepare estimates that align with what insurance adjusters look for, meet with your adjuster during their inspection, and help ensure all damage is included in the scope of work. Our familiarity with insurance company requirements helps homeowners receive fair treatment on their claims.
Should I repair or replace my hail damaged roof?
The decision depends on the extent of damage, your roof’s age, and the cost comparison between repair and full replacement. As a general rule, if damage affects less than 30% of your roof and your existing roof has significant life remaining, repairs may be sufficient. However, if you have severe damage, multiple leaks, or an older roof nearing the end of its life, a full roof replacement provides better long-term value. We never recommend unnecessary work. Our inspection helps determine the most cost-effective approach for your specific situation.
How does CoMo Premium Exteriors work with insurance adjusters?
We work closely with insurance adjusters by conducting inspections that align with insurance company criteria. Our inspectors are trained to identify and document hail damage the way adjusters do, including counting hail marks per roof slope and identifying lifted shingles. We mark damage locations with chalk for easy reference during the adjuster’s visit. This approach helps ensure accurate damage assessment and fair compensation. Our daily interactions with adjusters across Mid Missouri give us insights that help your claim proceed smoothly.
Can quarter-sized hail damage my roof?
Yes. Even hail smaller than one inch in diameter can damage a roof. The damage depends not just on size, but also on hail density, wind speed, and the condition of your existing roof. Older roofs and certain materials are more susceptible to damage from smaller hailstones. Some hail damage isn’t visible without a proper inspection by a trained professional. If your area experienced a hailstorm, schedule a free inspection to assess any damage.
How much does hail damage roof repair cost?
Hail damage roof repair costs vary based on several factors: the extent of damage, roof size, roofing materials, roof pitch, and labor costs in your area. Minor repairs like replacing a few shingles cost significantly less than a full roof replacement. In Mid Missouri, average costs for roof repair range from a few hundred dollars for minor work to several thousand for extensive repairs. For hail damage covered by insurance, you’ll typically pay your deductible while insurance covers the rest. We provide detailed estimates so you know exactly what to expect before any work begins.
How does hail damage affect aluminum siding?
Hail damage on aluminum siding typically appears as dents, dings, and sometimes cracks or chips in the paint. The severity depends on the size and speed of the hailstones. Larger hailstones can cause significant damage that compromises both the protective and aesthetic qualities of your siding. It’s important to inspect your aluminum siding after a hailstorm and document any damage for insurance claims. Professional assessment can determine whether repairs or replacement are needed to restore your home’s exterior.
Schedule Your Free Hail Damage Roof Inspection Today
Don’t wait until water leaks cause further damage inside your home. Whether you suspect hail damage or just want peace of mind after a storm, we’re here to help. Our free inspection comes with no obligation and no pressure. We’ll give you an honest assessment of your roof’s condition and help you understand your options.
Call CoMo Premium Exteriors at (573) 424-9008 or to schedule your free hail damage inspection. We serve Columbia, Jefferson City, Lake of the Ozarks, Fulton, and all of Mid Missouri.
CoMo Premium Exteriors Makes It So Easy!
4 Simple Steps to Making Your Family’s Home Beautiful and Protected
1. Contact Us Today
Don’t wait until your roofing or siding problems get worse. Call or email us today.
2. Get a Free Estimate
We provide free estimates for all of our work.
3. Get Expert Service
Get expert installation service from our professional team.
4. Get Peace of Mind
Get peace of mind knowing your family & home are safe.