Storm Damage Repair in Cape Girardeau & Southeast Missouri
If a storm hits your home, we’ll inspect the damage, document it for your insurance, and get it fixed right.
Storm Damage Repair for Your Home’s Complete Exterior
Southeast Missouri sees real weather. Hail, high winds, and tornadoes hit this region every spring and summer, and storm damage doesn’t always stop at the roof. Siding can crack, paint can chip, windows can take impact damage, and gutters can pull away from the fascia. Sometimes the damage is obvious. Sometimes you won’t see it for months. We’ll come out fast, inspect what the storm hit, and document everything with photos and a written report. If you’re filing an insurance claim, we’ll give you what you need and work with your adjuster directly. If you’re not sure whether what you’re seeing is storm damage at all, we’ll tell you straight.
Signs of Storm Damage on Your Home
Storm damage isn’t always obvious. Hail can dent siding and shingles without breaking them. Wind can lift shingles or pull gutters loose without taking them off entirely. Even small damage left alone lets water in over time. Here’s what to look for after a storm:
- Stains on ceilings or walls. Water is already coming in from somewhere.
- Wetness or water staining in the attic. Often the first place a roof leak shows up.
- Wetness or water stains around windows. Could be window seal damage, siding gaps, or flashing failure.
- Missing or damaged shingles. Wind, hail, or debris exposing the underlayment.
- Granules in your gutters or on the ground. Hail can knock the protective granules off your shingles even when the shingles look intact.
- Dented or cracked siding panels. Hail damage often shows up on siding more obviously than on shingles.
- Damaged flashing around chimneys, skylights, or vents. Common storm damage point.
- Cracked or scraped exterior paint. Especially on the storm-facing side of the home.
- Cracked window glass or damaged frames. Impact damage isn’t always immediate — check after a hail event.
- Bent, broken, or pulled-away gutters and downspouts. Wind and falling debris damage.
- Sagging spots on the roof deck. Often indicates water damage that’s been building.
Some storm damage doesn’t show up immediately. Hail bruising, sealant failure, and small leaks can take months to lead to visible problems. If a storm just hit your area, getting an inspection within a few weeks is the right move for your home and for your insurance claim window.
What Storm Damage We Repair
Storm damage repair starts at the roof but rarely ends there. We handle the full exterior.
- Roof damage. Missing or damaged shingles, hail-bruised shingles, leak repair, holes from fallen debris, full roof replacement when the damage warrants it.
- Flashing and chimney damage. Common storm impact points where water gets in first.
- Siding damage. Cracked, dented, or torn siding from hail, wind, or debris. Repair or replacement.
- Exterior paint damage. Scraped, chipped, or stripped paint from debris impact or water exposure. Touch-up or full repaint depending on scope.
- Window damage. Cracked or broken glass, damaged frames, seals compromised by impact.
- Gutter damage. Bent, pulled-away, or detached gutters and downspouts.
- Fascia and trim damage. Often hit by falling branches or torn during wind events.
If a storm hits and your home’s exterior took some damage, let us know. We’ll be out to check on it.
How Storm Damage Insurance Claims Work
Every insurance policy is different, and we’re not insurance experts — we’re roofing experts. But we work with insurance claims all the time, and here’s the general process we walk customers through.
- Start with an inspection. Before you call your insurance company, we inspect your home so you know what you’re dealing with. We’ll document damage with photos and a written report, which is what your insurance adjuster will eventually need anyway.
- File the claim with your insurance company. You’ll know what to claim and what not to once you have a documented inspection. Most policies have a window for filing claims after a storm event, so don’t sit on it for months.
- We meet with your adjuster. If your insurance company sends an adjuster out, we’ll meet them on-site if it’s helpful. We’ll walk through what we documented and make sure the damage is accurately assessed.
- Repair or replacement gets scheduled. Once your claim is approved, we schedule the work. You pay your deductible, your insurance covers the rest based on your policy, and we get the work done.
We can’t tell you what your policy covers; that’s between you and your insurance company. But we can give you a documented inspection that makes the claim process clearer, and we work with all major insurance carriers.
Our Storm Damage Repair Process
Free Inspection.
We come out fast, usually within a few days of a storm event. We walk your roof and the rest of your exterior, document what we find with photos, and give you a written report you can use for your insurance claim.
Insurance Claim Support.
If you’re filing a claim, we provide the documentation your adjuster needs and meet them on-site if that helps. We work with all major insurance carriers.
Detailed Estimate.
Once we know the scope, we’ll write up a clear estimate covering the repair work, the timeline, and what your portion will be after insurance.
Repair or Replacement.
We do the work — roof, siding, paint, windows, gutters, or any combination of what the storm hit. Clean job site, manufacturer warranties intact, work you can see up close.
Final Walkthrough.
Job’s not done until you’ve seen it and we’ve cleaned up. We do a magnet sweep for nails and walk the property with you before we leave.
Why Old Town Roofing & Paint for Storm Damage
Local and fast.
Cape Girardeau-based. When storms hit, we’re already in the area.
We document for insurance.
Photos, written reports, and on-site adjuster meetings if needed.
Complete exterior coverage.
One contractor for roof, siding, paint, windows, and gutters — not three separate calls.
GAF Certified Plus™.
Manufacturer-backed installation on every roof, including storm replacements.
Frequently Asked Questions
Does homeowners insurance cover storm damage to my home?
Most homeowners insurance policies cover sudden storm damage to your home: hail, wind, fallen trees, debris impact, including damage to roofs, siding, windows, and gutters. Coverage depends on your specific policy, your deductible, and the cause of damage. Wear, age, or lack of maintenance is generally not covered. We can’t tell you what your policy includes, but we can give you a documented inspection that makes filing a claim much easier.
How long do I have to file an insurance claim for roof damage after a storm?
Most insurance policies require you to file a storm damage claim within a specific window after the event, often six months to a year, but it varies by policy. The longer you wait, the harder it is to prove the damage was storm-related rather than gradual wear. If you suspect storm damage, getting an inspection within a few weeks is the right move.
Can I claim hail damage if it happened months ago?
You may be able to claim hail damage that happened months ago, but it gets harder the longer you wait. Insurance adjusters look for evidence the damage was caused by a specific storm event, and that’s easier to establish soon after the storm. We document hail damage carefully so claims have the best chance regardless of timing.
Should I get an inspection before filing an insurance claim?
Yes, getting an inspection before filing an insurance claim is generally a good idea. A documented inspection tells you whether you actually have a claim worth filing, and gives you the photos and written report your adjuster will eventually need. Filing a claim that gets denied can sometimes affect your rates, so knowing what’s there first is smart.
Do you charge for storm damage inspections?
No, we don’t charge for storm damage inspections. We come out, walk your roof and exterior, document what we find, and give you a written report at no cost. If there’s no real damage, we’ll tell you. If there is damage, you’ll have what you need to file a claim or schedule repairs.
What's the difference between repair and replacement after storm damage?
Whether storm damage calls for a repair or a full replacement depends on the extent of damage, the age of the affected surface, and what your insurance approves. Isolated damage to a few shingles, one siding panel, or one section is usually a repair. Widespread hail damage, multiple leak sources, or a roof or surface already near the end of its life usually means full replacement. We’ll inspect and recommend honestly either way.
Do you repair storm damage other than roof damage?
Yes, we repair storm damage to roofs, siding, exterior paint, windows, gutters, fascia, and trim — anything on the outside of your home that a storm can hit and that falls within our scope. We’re a complete exterior contractor, so handling multiple types of damage from the same storm event under one project is something we do regularly.