Insurance Based Claims
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Siding Services in St. Louis, MO Bastin Roofing
Insurance-based roof claims in St. Louis, MO Bastin Roofing
Storm damage is stressful—especially when insurance is involved. Bastin Roofing helps homeowners navigate insurance-based roofing claims with clear documentation, experienced guidance, and quality repairs/replacements once your claim is approved. As a veteran-owned company, we operate with transparency, fast communication, and “do-it-right” workmanship from inspection to final cleanup.
Important note: We’re not a law firm and don’t provide legal advice—but we can help you document damage, understand the process, and complete the work your policy approves.
What “Insurance-Based Claims” Means
If wind, hail, or storm-related issues damage your roof, your homeowner’s insurance may cover repairs or replacement depending on:
Type and extent of damage
Roof age / materials
Policy terms (deductible, depreciation, exclusions)
Our job is to make sure the damage is properly identified and clearly documented, then deliver the scope of work approved by your carrier.
How We Help With the Claim Process
1) Storm Damage Inspection & Photo Documentation
We inspect your roof and exterior, then provide:
Photos of damage
A clear summary of findings
Recommended next steps (repair vs replacement)
2) Guidance on Filing the Claim
If damage looks insurance-eligible, we’ll help you understand what to tell your carrier and what to expect next (timelines, adjuster visit, common questions).
3) Meet the Adjuster (When Appropriate)
If your insurer schedules an inspection, we can be present to:
Point out damage areas
Ensure nothing is overlooked
Answer roofing-specific questions
4) Estimate, Scope Review & Supplements (If Needed)
If the adjuster’s scope misses key items required for proper installation (flashing, ventilation, code-related details, etc.), we can submit supporting documentation for review. (Approval is always up to the carrier.)
5) Repair/Replacement Completion + Final Paperwork
Once approved, we schedule quickly, complete the work professionally, and provide final documentation needed to close out the claim.
Frequently Asked Questions
How do I know if wind damage is insurance-eligible?
Wind damage often shows up as lifted, creased, or missing shingles. If shingles are torn off or visibly displaced after a storm, it may qualify for a claim depending on your policy and deductible.
Will insurance cover hail damage on a shingle roof?
It can. Hail may cause bruising, granule loss, or impact marks that reduce shingle life and lead to leaks later. Coverage depends on the storm event, documentation, and your policy terms.
Can a small roof leak be covered by insurance after a storm?
Sometimes. If the leak is caused by storm-related damage (not normal wear and tear), insurance may cover the repair. The key is documenting that the leak is tied to a specific event.
Does insurance cover flashing damage around chimneys, vents, or walls?
Often, yes—if the flashing damage is storm-caused. Flashing failures can allow water in around penetrations like chimneys, pipe vents, skylights, and sidewalls, and may be included in the approved scope.
Can gutters and exterior damage be included in the same claim?
They can be. Storms may damage gutters, downspouts, fascia/trim, and other exterior components. If the damage occurred during the same covered event, it’s commonly bundled into one claim (policy permitting).
Message From CEO
To Our Customers
Bastin Roofing is owned and operated by a former member of the U.S. Marine Corps. We proudly offer discounts for active or retired members of our Armed Forces, firefighters, and seniors. When you call for a free estimate, be sure to ask for details. We look forward to adding you to our growing list of loyal customers.
Kirk Bastin
Chairman and founder
What Our Clients are Saying.
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Service Areas:
St. Louis County, St. Charles County, Lincoln County, Jefferson County, Franklin County
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