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Storm & Insurance Claims · Washington, MO

Storm Damage & Insurance Claims in Washington, MO

Tom Emmendorfer handles storm damage and insurance claims for Washington, MO homeowners himself. He climbs your actual roof, documents the hail and wind damage, files the claim, and stands next to your adjuster to make sure the bruised shingles and soft decking get on the record. Family-owned and based in Washington since 1990, with no subcontracted storm chasers.
Get My Free Estimate (314) 568-4163A real Emmendorfer answers

Washington sits on the bluffs above the Missouri River where Highway 47 crosses the water, and that river valley is a funnel for weather. Spring and early-summer storms ride straight up the channel, so a roof on the south-side subdivisions toward the bypass and a steep older roof above the riverfront near the corncob-pipe district take the same hail in completely different ways. The federally declared March 2025 storms swept across Franklin County with tornadoes, large hail, and straight-line winds over 75 mph, and they worked roofs across this whole county. Most of the bruising they left behind is impossible to see from a Jefferson Street driveway.

That invisible damage is exactly where Washington claims go wrong. Hail bruising is a soft, granule-stripped spot you have to kneel on the shingle to find, and an adjuster running a busy storm route past the fairgrounds and out Route A misses it constantly. So Tom Emmendorfer, founder Matt's son who runs roofing and claims for the family, gets on your roof first and is standing next to the adjuster when they climb up. In Matt's own words, the adjuster inspection is the one time you can sell the damage, which is why being on the roof at the same time he is matters more than anything else in a Washington claim.

How it works

What our storm damage & insurance claims includes in Washington

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

Tom is based right here in Washington, where our second family office runs under the original Emmendorfer Roofing name, so the response is local and the accountability never leaves town. We can be at a storm-hit roof off Highway 100 the same day, and on the claim Tom meets your Washington adjuster on the roof rather than over the phone from another county. That proximity matters most on the second and third trips a Washington claim often takes. The river-valley storm pattern means State Farm, Allstate, or Travelers frequently sends a different adjuster on the supplement, and Tom going back up the same roof a second time is how the missed bruising on a south-side subdivision or an exposed riverfront slope finally gets paid.

FAQ

Storm Damage & Insurance Claims in Washington: questions

Call the roofer first. A written inspection from a real Washington contractor puts independent evidence of the full damage scope on file before any adjuster forms an opinion. Tom Emmendorfer climbs your actual roof, photographs every bruised shingle and soft spot, then files the claim with that evidence already in hand. Calling your insurer first lets the adjuster set the scope alone, often from the ground.
Tom Emmendorfer, founder Matt's son, handles claims himself from our Washington office, which runs under the original Emmendorfer Roofing name. He documents the hail or wind 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, and Tom uses it on every Washington claim because adjusters routinely miss bruising you cannot see from the driveway.
You usually cannot. Hail bruising is a soft, granule-stripped spot you have to kneel on the shingle to find, so a ground look almost never catches it. Washington's spot on the Missouri River bluffs pulls storms up the valley, and the March 2025 outbreak drove large hail and damaging winds across the county, well past what it takes to start damaging asphalt shingles. A free on-roof inspection is the only way to know for certain.
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 doing so is a deceptive practice under the Missouri Merchandising Practices Act. Any storm chaser knocking doors in Washington after a hailstorm who offers to eat your deductible is breaking state law. We quote your job honestly and you pay your deductible, nothing shady.
Tom supplements it. Adjusters working a busy Franklin County 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 up the same Washington roof with the same or a different adjuster until the approved scope matches what the storm actually did. That second and third trip is exactly the work most out-of-town crews will not do.
Most Missouri homeowner policies require you to file within roughly one year of the date of loss, so a Washington homeowner who first notices a ceiling stain months after a spring hailstorm usually still has a window. The trick is tying the damage to the correct storm date. Tom helps you pin the right date of loss, like the March 2025 storms, and files the claim cleanly before that deadline closes.
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Tom climbs your actual Washington roof, documents the hail and wind damage, and stands next to your adjuster so nothing gets missed. Based right here in Washington, no subbed-out crews, no deductible games.

  • 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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