Emergency Roof Repair in St. Louis, MO

Emergency roof repair in St. Louis

Emergency roof repair is about the next rain, not the whole roof. The first visit stops water getting in, protects what's under the damage and records the damage before anything is covered. The full roof repair comes after, once you know what the insurance claim will pay. Most emergency roof repair calls in St. Louis come after wind or hail lifts shingles, a limb punches through the deck, or an old leak finally lets go in a heavy storm. Our St. Louis roofing team handles all three.

Response

Call and we'll set a time

After hours

Send the form and we'll call you back

First visit

Tarp and seal the damaged area

Photos

Taken before the tarp goes on

Insurance

Photos and scope for your claim

Service area

St. Louis City and County, St. Charles County, Jefferson County

Emergency roof tarping: what happens on the first visit

Twin Rivers Contracting LLC provides emergency roof tarping. St. Louis storms usually leave a damaged area we can cover in one visit:

1. We check the attic and ceilings to see where water is getting in.
2. We photograph the damage on the roof before anything covers it.
3. We clear loose debris from the damaged area where it's safe to.
4. We fasten a heavy tarp over the opening and well past it, so wind can't get under it.
5. We write up what the permanent repair will need.

Emergency roof tarping holds until the permanent repair, not for good. Sun and wind wear a tarp down, so we schedule the real fix as soon as the claim or estimate allows.

Who pays for an emergency roof tarp?

Usually your homeowners insurance, as part of the claim, when the damage came from a covered event such as wind, hail or a fallen tree. Keep the photos and the tarp invoice and send both with your claim. If the damage came from age or a long-term leak, the tarp is on you, just as the repair would be. Our guide to filing a hail claim in Missouri covers the deductible and how the adjuster prices the roof.

Will insurance cover a 20-year-old roof?

Insurance may still pay for storm damage on a 20-year-old roof, but many policies pay older roofs at actual cash value, which subtracts depreciation, instead of full replacement cost. Some policies use a roof schedule that pays less as the roof ages. Check the roof section of your declarations page before you file.

From tarp to permanent repair

Once the tarp is on, the permanent fix is either a roof repair in the damaged area or a new roof, depending on what the inspection and the claim show. Small damage goes to roof repairs in St. Louis; damage across the roof goes to a full replacement.

Keep the emergency work separate on paper. Under Section 407.725 of the Revised Statutes of Missouri, you can cancel a contract for insurance-paid work until midnight of the fifth business day after your insurer tells you in writing that all or part of the claim isn't covered. If you cancel, the contractor may keep the reasonable value of emergency work you acknowledged in writing as necessary. Signing off on the tarp as emergency work, apart from any repair or replacement contract, keeps that line clear for both sides.

How to choose an emergency roof repair contractor

1. They photograph before they tarp. Your adjuster needs to see the damage, not the tarp.
2. The emergency work has its own invoice, so you aren't signed into a full roof job at 10 p.m.
3. They're local and insured, and will still be around for the permanent repair.