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Storm & Insurance Claims · Union, MO

Storm Damage Roof Repair & Insurance Claims in Union, MO

Tom Emmendorfer handles storm damage and insurance claims in-house for Union, MO homeowners. Based right here since about 2003, he climbs your actual roof, photographs every hail bruise and soft spot, files the claim, and stands beside your adjuster on the roof. No subbed-out storm chasers, no deductible games, and the same family is still your roofer after the check clears.
Get My Free Estimate (314) 568-4163A real Emmendorfer answers

When a spring supercell rolls up Highway 50 and parks over Union, the hail it drops does not stop at the county seat. The federally declared March 2025 storms that crossed Franklin County brought tornadoes, large hail, and straight-line winds over 75 mph that worked roofs all across the county, and Union sits squarely in that path. Hail of that size bruises asphalt shingles, and almost none of that damage shows from your driveway on Independence Drive or out on the rural acreage toward the county line. It is a soft, granule-stripped spot you have to kneel on the shingle to find, which is exactly the damage a busy storm-route adjuster writes off.

That is why Emmendorfer Exteriors gets on your Union roof before you ever call the insurer. Tom Emmendorfer, founder Matt's son who runs roofing and claims for the family, is on the ladder documenting the hail, the wind-lifted tabs, the bent flashing, and the soft decking, then he is standing next to your adjuster when they climb up. In Matt's own words, that inspection is the one time you get to sell the damage, so being there the same moment the adjuster is matters more than anything else in the whole claim. Because the shop has been in Union since about 2003, that response is local and same-day, not a drive in from another county.

How it works

What our storm damage & insurance claims includes in Union

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

Union's housing mix changes how a storm claim plays out, and we have seen all of it. The older roofs near the courthouse and the historic downtown take hail differently than the 1990s and newer subdivisions on the edges of town, and the steeper rural roofs out where Highway 47 runs toward the county line catch wind the flat-pitch tract homes never feel. Then Missouri's freeze-thaw winter pries open every seam the summer hail bruised, so by the time a Union roof leaks, the date of loss is months back and the decking underneath is often part of the claim. Tom ties the damage to the right storm, supplements what the adjuster misses, and goes back to the house a second and third time if State Farm, Allstate, or Travelers sends a different adjuster, because we are still your Union roofer long after the claim is closed.

FAQ

Storm Damage & Insurance Claims in Union: questions

Call the roofer first. A written inspection from a real contractor puts the full damage scope on the record before the adjuster forms an opinion. Tom climbs your actual Union roof, photographs every bruised shingle and soft spot, and files the claim with that evidence already in hand. Calling the insurer first lets the adjuster set the scope alone, often from the ground.
Hail bruising is a soft, granule-stripped spot you have to kneel on the shingle to find, so a look from the yard almost never catches it. Union sat in the path of the federally declared March 2025 outbreak, which drove large hail and damaging winds across the county, well past what it takes to damage asphalt. A free on-roof inspection is the only way to know for sure.
Tom Emmendorfer, founder Matt's son, handles roofing and insurance claims in-house from the family's Union shop. He documents the damage, files the claim, and meets your adjuster on the roof. Under Missouri law you have the right to have your contractor present at the inspection, which matters because adjusters routinely miss hail bruising no one can see from the ground.
No. Under Missouri Revised Statute 407.725 it is illegal for a residential roofing contractor to pay, rebate, or waive a homeowner's deductible, and it is a deceptive practice under the Missouri Merchandising Practices Act. Any storm chaser who offers to eat your deductible is breaking the law. We quote your Union job honestly and you pay your deductible, nothing shady.
Most Missouri homeowner policies require you to file within roughly one year of the date of loss, so a homeowner who first spots a ceiling stain or attic leak months after a spring hailstorm usually still has a window. The trick is pinning the damage to the right storm. We help you tie the correct date of loss and file before the deadline closes.
No. Our in-house family crews do every Union job, so the same name that sells your roof is the one on it. The national franchises and out-of-county landing-page outfits that flood Franklin County after a hailstorm sub out their labor and are often gone before the next season. We have worked these storms since 1990 and we are still your roofer after the claim closes.
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Tom climbs your actual Union 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 storm response in Union.

  • 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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