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Storm & Insurance Claims · Pacific, MO

Storm Damage & Roof Insurance Claims in Pacific, MO

Tom Emmendorfer handles storm damage and roof insurance claims in-house for Pacific, MO homeowners. He climbs your actual roof off St. Louis Street or up on the bluff ridges, documents the hail bruising and wind-lifted shingles, files the claim, and stands beside your adjuster on the roof. Family-owned in Union since 1990, no subbed-out storm chasers, no deductible games.
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Pacific takes more storm-chasing pressure than any town we serve, and the reason is the road. Interstate 44 runs straight through Pacific along the old Route 66 line, putting the town right on the St. Louis metro doorstep, so the minute hail moves through, out-of-county and metro crews pour off I-44 with Pacific landing pages and clipboards. They are gone by the next season. We come the other way, east from Union on Highway 50, and we have been documenting Pacific storm damage and walking adjusters across these roofs for decades, not one hail event.

The hard part of a Pacific claim is that the damage hides. Hail bruising is a soft, granule-stripped spot you have to kneel on the shingle to feel, and a busy adjuster working an I-44 storm route off a ground-level look misses it constantly. Pacific's housing makes it worse, because each roof takes hail differently. A 1970s ranch off St. Louis Street near the railroad tracks shows it nothing like a steep two-story up on the limestone bluffs by the historic downtown, or a newer build climbing toward Gray Summit and the Highway N corridor. Tom gets on your specific Pacific roof first and is standing next to the adjuster when they climb up, because the inspection is the one shot you get to put the full damage scope on the record.

How it works

What our storm damage & insurance claims includes in Pacific

A storm claim is won or lost on documentation and on who is standing on the roof with the adjuster. Here is exactly how Tom runs it.

  1. Free on-roof damage inspection

    Call the roofer before the insurance company. Tom gets on your actual roof, not a satellite image, and documents hail bruising, wind-lifted shingles, granule loss, and damaged metal and flashing with photos. A written inspection from a real contractor creates independent evidence of the full damage scope before any adjuster forms their own opinion.

  2. File the claim with your own carrier

    If the damage is real, we help you open the claim with your insurer and pin it to the correct date of loss. Most Missouri policies require the claim within roughly one year of the storm, so a homeowner who notices a ceiling stain months after a spring hailstorm still has a window. We make sure the claim is filed clean.

  3. Meet the adjuster on the roof

    This is the step that wins claims. Tom is on the roof at the same time as the adjuster, walking every slope with him so the bruising and soft spots do not get written off. Under Missouri law you have the right to have your contractor present at the inspection, and we use it on every claim.

  4. Supplement what gets missed or underpaid

    Adjusters routinely miss damage or leave line items off the scope. We document what was skipped, send it back with photos, and go back and forth with the same or a different adjuster until the approved scope matches what the storm actually did. We do not have a problem doing it, and we make sure it gets done.

  5. Replace or repair, then clean to no footprint

    Once the claim is approved you pay your deductible and we handle the rest. Our in-house crews tear off, replace any failed decking and fascia we find, and install your CertainTeed, Owens Corning, Malarkey, or GAF system. Then we magnet-sweep for nails and haul every scrap so we leave no footprint behind.

Local angle

Pacific sits in eastern Missouri's severe-storm corridor where the Meramec River valley funnels the worst of it. The federally declared March 2025 storms that battered eastern Missouri with tornadoes, large hail, and 75-plus mph straight-line winds are exactly the kind of event that works a Pacific roof, and then a Missouri winter of freeze and thaw pries those bruises open until the valleys and flashing give. Because Pacific is the most storm-chased town we cover, the local accountability matters most here. Tom files the claim, meets your adjuster on the roof, and our in-house family crews do the work, so the same name that documents your damage is the one still answering the phone long after the check clears and the I-44 satellites have moved to the next county.

FAQ

Storm Damage & Insurance Claims in Pacific: questions

Call the roofer first. A documented inspection from a real contractor puts independent evidence of the full damage scope on file before the adjuster forms an opinion. Tom Emmendorfer climbs your actual Pacific roof, photographs every bruised shingle and soft spot, and files the claim with that evidence in hand. Calling the insurer first lets the adjuster set the scope alone, often from the ground.
Pacific sits right on Interstate 44 at the St. Louis metro edge, so after any hailstorm metro and out-of-county companies flood the listings with Pacific landing pages and door knockers. They sub out the labor and leave before the next storm. We come east from Union on Highway 50, use in-house family crews, and have worked Pacific claims since 1990. We are still your roofer long after the chasers move on.
Hail bruising is a soft, granule-stripped spot you have to kneel on the shingle to find, so a ground-level look almost never catches it. The same severe corridor that drove large hail and damaging winds across the county in the March 2025 outbreak works Pacific roofs hard. A free on-roof inspection from Tom is the only way to know for sure before you file.
No. Under Missouri Revised Statute 407.725 it is illegal for a residential roofing contractor to pay, rebate, or waive a homeowner's insurance deductible, and doing so is a deceptive practice under the Missouri Merchandising Practices Act. Any Pacific storm chaser who offers to eat your deductible is breaking the law. We quote your job honestly and you pay your deductible, nothing shady.
We supplement it. Adjusters working a busy I-44 storm route routinely miss hail bruising or leave line items off the scope. Tom documents what was skipped with photos and sends it back to the carrier, then goes back and forth with the same or a different adjuster until the approved scope matches what the storm actually did to your Pacific roof. We make sure that gets done diligently.
Most Missouri homeowner policies require you to file within roughly one year of the date of loss, so a Pacific homeowner who first notices a ceiling stain or attic leak months after a spring hailstorm usually still has a window. The trick is tying the damage to the right storm date. We help you pin the correct date of loss and file the claim before that deadline closes. Call us at (314) 568-4163.
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Get a free storm damage inspection in Pacific, MO

Tom climbs your actual Pacific roof, documents the hail and wind damage, and stands next to your adjuster so nothing gets missed. No subbed-out crews, no deductible games, same-day response east on Highway 50 from our Union shop.

  • We walk your actual roof before we quote it
  • The manufacturer is named on your written estimate
  • The price you approve is the price you pay
  • Tom handles your insurance claim start to finish
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