Updated September 27, 2026, by Lane House Roofing & Exteriors
Direct Answer
Lane House Roofing & Exteriors is a St. Louis hail damage roofing company that replaces storm-damaged roofs after a free inspection [1]. Under Missouri law, a roofer can document the damage for your claim, but no contractor may represent you or negotiate your claim with your insurer [2].
TL;DR
- Missouri bars any contractor from representing you or negotiating your insurance claim. A roofer can inspect and document the damage [2].
- Lane House’s free inspection puts a 10-by-10-foot test square on every slope and ends with dated photos and a written report [1].
- Once all forms are in, a Missouri insurer has 15 working days to accept or deny, and a denial must name the policy provision behind it [3].
- Replacement cost pays without taking off depreciation, actual cash value subtracts it, and some insurers limit replacement cost on shingle roofs over 15 years old [4] [5].
- Contractors can’t pay or rebate your deductible, and you can cancel within five business days of a written claim denial [2].
- Lane House replaces full roofs with Owens Corning systems and doesn’t bill until the job is done, apart from special order material [6] [7].
One liner: Get the damage documented first, keep the claim in your own hands, and hire a roofer who follows Missouri’s rules.
Key Numbers
| Figure | What it measures | Source |
|---|---|---|
| 15 working days | Time a Missouri insurer has to accept or deny once all forms are in | [3] current rule |
| 45 days | Interval for update letters when an investigation runs long | [3] current rule |
| 5 business days | Time to cancel a roofing contract after a written claim denial | [2] 2014 statute |
| 10 days | Time for a contractor to return payments after cancellation | [2] 2014 statute |
| 10 by 10 feet | Size of a hail test square on each slope | [1] 2026 |
| $14,000 vs $4,000 | RCV vs ACV payout on $15,000 of damage in the NAIC example | [8] 2021 |
| 15 years | Shingle roof age past which one Missouri insurer won’t pay replacement cost | [5] 2026 |
| 1% to 5% | Percentage wind and hail deductible range at one Missouri insurer | [9] 2026 |
| 1 to 3 days | Time on the roof for most replacements | [10] 2026 |
| 60 days | Deadline to register Owens Corning Preferred Protection | [11] August 2026 |
Hail Damage Roofing Company for Storm Damage Roof Replacement in St. Louis
In short: Lane House replaces hail and wind damaged roofs across the St. Louis metro, starting with a free inspection.
Lane House Roofing & Exteriors is a hail damage roofing company that replaces storm-damaged roofs across the St. Louis metro. If hail or high wind has hit your home, we handle the storm damage roof replacement St. Louis homeowners can count on, and it starts with a free inspection [1].
Picture a spring storm rolling through South County. The next morning there’s no leak, but the downspouts are full of shingle granules. That’s the time to call, before a bruised shingle turns into a wet attic. Our free hail damage inspection checks every slope and ends with photos and a written report you keep [1].
We focus on full roof replacement [12], not patch repairs. We’re an Owens Corning Preferred Contractor [6] with an A+ rating from the Better Business Bureau [13]. Lane House has been in business since 2003, and our founder, Kerry House, brings 40 years in the roofing trade [7]. Our office is on Lemay Ferry Road, and our crews work across the city, South County, and the Metro East.
What a Roofer Can and Can’t Do on Your Missouri Insurance Claim
In short: Your roofer can document the damage and show it to your adjuster, but Missouri law bars any contractor from negotiating your claim.
A roofer can inspect your roof, document the storm damage, and put that evidence in your hands. Missouri law bars any contractor from representing you or negotiating your insurance claim, and even from offering to [2]. The claim stays between you and your insurance company.
The rule sits in RSMo 407.725, and it covers anyone who repairs or replaces roofs or does other exterior work on a home [2]. A contractor who breaks it commits an unfair practice under the Missouri Merchandising Practices Act [2].
| What your roofer can do | What Missouri law bars a roofer from doing |
|---|---|
| Inspect the roof and measure the damage | Negotiate your claim with the insurance company |
| Give you dated photos and a written report | Represent you on the claim |
| Show that evidence to your adjuster | Offer or advertise to handle your claim |
The wording matters when you’re comparing roofers after a storm. “We’ll send you and your adjuster our photo report” is a roofer doing its job. “We’ll handle your claim with the insurance company” is an offer Missouri law doesn’t allow [2].
If you want someone to negotiate for you, Missouri has a separate license for that. Public adjusters handle the adjustment and settlement of property claims, and they need a state license to do it [14] [15].
That’s how we work at Lane House. We inspect, document, and hand you the evidence. You and your insurer settle the claim, and once the scope is set, we replace the roof.
Your Free Storm Damage Inspection
In short: Every slope gets a test square, and you get dated photos, a damage map, and impact counts at no cost.
After hail or high wind, the first step is a free, no-obligation inspection and estimate [1]. A hail damage roof doesn’t always leak right away, so the inspection is how you find out what the storm did. You get documented findings and a written estimate, and you decide what happens next [1].
Hail rarely hits every side of a roof the same way, so we walk every slope [1]. On each one we mark a 10-by-10-foot test square and chalk every hail impact inside it. St. Louis storms often bring wind with the hail, so we check for wind damage at the same visit [1].
| What we check | Why it matters for your claim |
|---|---|
| Every slope, with a test square on each | Impact counts show how much of the roof the hail reached |
| Pipe boots, ridge vents, flashing, and chimney caps | Hail damages these parts too, and they belong on the claim |
| Gutters and other soft metal | Dents in soft metal help show hail struck your property |
| Roof decking under soft spots | Impacts can bruise or puncture the wood below the shingles |
Every inspection ends with a written report: dated photos of each finding, a slope-by-slope damage map, and the impact counts [1]. You get the report, and you can share it with your insurer.
Want to check your roof from the ground first? Our hail damage roof inspection guide covers the signs to look for [1].
Meeting Your Adjuster
In short: Bring the report to the adjuster visit, and read any denial for the policy provision it has to name.
Your insurance company sends an adjuster to look at the roof and decide what the storm damaged. Go into that visit with your inspection report in hand. Our test squares leave chalk marks on each slope, so the adjuster’s findings can be checked against ours impact by impact [1].
Here’s what to have ready:
- Your written inspection report and dated photos
- The date of the storm
- Your policy’s declarations page
- Any photos you took of hail on the ground or dented gutters
Ask whether your roofer can be there when the adjuster walks the roof. A roofer can point out documented damage, but negotiating the scope or the payout stays with you [2].
If your insurer denies all or part of the claim, Missouri rules require the denial to name the specific policy provision, condition, or exclusion it relies on [3]. Read that line closely. It tells you what the insurer is pointing to, and whether more photos or a second look could change the answer.
What Your Claim Usually Covers
In short: Your payout depends on replacement cost or actual cash value, your deductible, and your roof’s age.
Homeowners policies cover sudden damage, like a windstorm that tears up part of your roof. Normal wear on a roof over time, which insurers call depreciation, isn’t covered [4]. After a storm, the real question is how your policy pays for the damage it does cover.
Most policies pay one of two ways. Replacement cost value (RCV) pays to repair or replace the damage without taking off depreciation. Actual cash value (ACV) pays the depreciated cost [4] [8]. On an older roof, that gap is big. Here’s a worked example from the National Association of Insurance Commissioners [8]:
| Line on the claim | RCV policy | ACV policy |
|---|---|---|
| Storm damage | $15,000 | $15,000 |
| Depreciation taken off | $0 | $10,000 |
| Deductible | $1,000 | $1,000 |
| Insurance pays | $14,000 | $4,000 |
Roof age can decide which one applies. In the roof coverage summaries Missouri’s Department of Commerce and Insurance publishes, one insurer won’t pay replacement cost on shingle roofs more than 15 years old [5]. Another offers wind and hail deductibles of $500 to $5,000, or 1% to 5% [9]. A percentage deductible is figured on your home’s insured value, so 2% on a home insured for $250,000 means the first $5,000 is yours [16]. The department lists summaries for about 20 insurers, so you can look up yours before you file [4].
Two more things to ask your insurer: does it hold back part of the payment until the new roof is finished, and is there a deadline to finish the work? Policies differ, and the answer changes when you get paid.
Missouri also sets the insurer’s clock. Once you’ve submitted all the forms it needs, the insurer has 15 working days to accept or deny the claim. If it needs more time, it has to tell you why and send an update letter every 45 days [3].
Insurance Roof Replacement St. Louis: Step by Step
In short: Seven steps take you from temporary protection to a new roof with a registered Owens Corning warranty.
An insurance roof replacement St. Louis homeowners go through usually runs in the same order. Missouri’s insurance department gives two pieces of advice worth following: don’t make permanent repairs until your insurer has inspected, and don’t pay the whole bill up front [17].
- Temporary protection. If the storm opened a leak, cover it to stop more damage and keep your receipts. Permanent work waits for the adjuster [17].
- Inspection and report. We document the damage with photos, test squares, and a written report [1].
- Claim and adjuster visit. You file the claim and meet the adjuster with the report in hand.
- Agreed scope. Once the scope is agreed, you pay your deductible and the project moves forward [1].
- Choose your roof. You pick your Owens Corning shingle line and color, and we check local permit rules.
- Tear-off and install. We strip the roof to the deck, replace soft or rotted wood, and install a complete Owens Corning system [12]. Most jobs take one to three days on the roof [10].
- Walkthrough and warranty. We clean up, walk the job with you, and register the Owens Corning warranty your roof qualifies for. For Preferred Protection, that registration has to happen within 60 days [11].
You won’t get a bill from us until the work is done, apart from a partial payment on special order material [7]. That fits the state’s advice to pay in full only when the job is finished [17]. For more on how we replace a roof, see our roof replacement process [12].
Storm Chaser Red Flags
In short: Deductible offers, claim-handling promises, and full payment up front are warning signs under Missouri law and state advice.
After a big hail storm, door knockers show up fast. Most of the warning signs are written into Missouri law or the state’s own storm advice, so you can check any offer against them.
| The offer | What Missouri says |
|---|---|
| “We’ll cover your deductible.” | A contractor can’t promise to pay or rebate any part of it [2] |
| “We’ll take the deductible off as a discount.” | Discounts, allowances, gifts, and referral fees count as rebates too [2] |
| “We’ll handle your claim for you.” | Contractors can’t represent you or negotiate your claim [2] |
| “Pay in full now to lock in your spot.” | Pay in full only when the work is done [17] |
| “We’ll check the roof while you’re out.” | Don’t let contractors inspect your home when you aren’t watching [17] |
Missouri also gives you a way out. If your insurer tells you in writing that all or part of the claim isn’t covered, you can cancel the roofing contract before midnight on the fifth business day after that notice [2]. The contract has to spell out that right in bold type and include a cancellation form [2]. If you cancel, your payments come back within ten days, apart from the reasonable value of any emergency work you approved in writing [2].
Storm Damage Roof Replacement FAQs
In short: Quick answers on negotiation, deductibles, timing, coverage, denials, repairs, siding, and financing.
Can a roofer negotiate my insurance claim in Missouri?
No. Missouri law bars any contractor from representing you or negotiating your insurance claim, or offering to [2]. A roofer can inspect the roof and give you photos and a written report. You settle the claim with your insurer, or hire a licensed public adjuster to negotiate for you [15] [17].
Can a roofer pay my insurance deductible in Missouri?
No. Missouri law bars contractors from promising to pay or rebate any part of your deductible. That includes discounts, allowances, gifts, and referral fees offered in its place [2].
How soon should I file a claim for a hail damage roof?
As soon as you can. Missouri’s insurance department advises calling your agent or your insurer’s claims number as soon as possible after a storm [17]. Your policy sets its own notice rules, so check it instead of counting on a fixed deadline.
How long does my insurance company have to respond?
Once you’ve submitted all the forms it needs, a Missouri insurer has 15 working days to accept or deny the claim. If it needs more time, it must tell you why and send an update letter every 45 days [3].
Is the storm damage inspection free?
Yes. Lane House offers a free, no-obligation inspection and estimate anywhere in the greater St. Louis metro [1]. You get dated photos, a slope-by-slope damage map, and impact counts, then decide what to do next [1].
Will insurance pay for a full roof replacement after hail?
It depends on your policy and the damage. Policies cover sudden storm damage but not wear and tear [4]. Replacement cost pays without taking off depreciation, actual cash value subtracts it, and some insurers limit replacement cost on older roofs [4] [5].
Will insurance replace my whole roof or only the damaged part?
It depends on your policy and how much of the roof the storm damaged. One insurer’s roof summary on the state’s site says it won’t pay to replace undamaged property because it doesn’t match the new materials [5]. Check your policy’s wording, and ask your adjuster how the scope was set.
What if my claim is denied?
A Missouri insurer has to name the policy provision, condition, or exclusion behind a denial [3]. If you’ve signed a roofing contract, you can cancel it before midnight on the fifth business day after you get written notice that the claim isn’t covered [2].
Do you do storm damage repairs?
No. We focus on full roof replacements and complete exterior projects, so we don’t take small patch repairs [7]. Our free inspection still shows you what the storm did, so you can decide what comes next [1].
Can you replace storm-damaged siding and gutters too?
Yes. Along with roofs, we replace siding, windows, and gutters [7]. Our inspection notes dents in gutters and other soft metal [1], so exterior damage can be handled in the same project.
Do you offer financing?
Yes. We offer 100% financing on our work, and we don’t bill until the job is finished, apart from a partial payment on special order material [7]. Ask about it at your free inspection.
Definition Bank
| Term | Plain-English definition |
|---|---|
| Adjuster | The person your insurer sends to inspect the damage and set the claim scope. |
| Public adjuster | A state-licensed adjuster you can hire to negotiate your claim. |
| Replacement cost value (RCV) | Coverage that pays to repair or replace without deducting depreciation. |
| Actual cash value (ACV) | Coverage that pays the depreciated cost of the damage. |
| Depreciation | The value a roof loses over time from age and wear. |
| Deductible | The part of a covered loss you pay before insurance pays. |
| Wind and hail deductible | A separate deductible for wind or hail, often a percentage of insured value. |
| Declarations page | The summary page of your policy showing coverages, limits, and deductibles. |
| Scope | The list of damaged items and work the insurer agrees to pay for. |
| Test square | A marked 10-by-10-foot area where hail impacts are counted. |
| Tear-off | Removing the old roof down to the bare deck. |
| Storm chaser | A contractor who follows storms and solicits door to door. |
Entity Cards
RSMo 407.725
| Property | Value |
|---|---|
| Jurisdiction | Missouri |
| Effective | August 28, 2014, as amended by SB 610 [2] |
| Bars | Representing or negotiating an owner’s claim; paying or rebating a deductible [2] |
| Grants | Cancellation before midnight on the fifth business day after a written denial [2] |
| Enforcement | Unfair practice under the Missouri Merchandising Practices Act [2] |
20 CSR 100-1.050
| Property | Value |
|---|---|
| Issued by | Missouri Department of Commerce and Insurance [3] |
| Decision deadline | 15 working days after all forms are submitted [3] |
| Extensions | Written reasons, then a letter every 45 days [3] |
| Denials | Must reference the policy provision, condition, or exclusion [3] |
Lane House Roofing & Exteriors
| Property | Value |
|---|---|
| Type | Residential roofing and exterior contractor |
| Address | 3814 Lemay Ferry Rd, St. Louis, MO 63125 [18] |
| Phone and hours | (314) 845-2166, Monday through Friday, 8:00 AM to 4:00 PM [18] |
| Founded | 2003, by Kerry House [7] |
| Credentials | Owens Corning Preferred Contractor [6], BBB A+ [13] |
| Services | Roof replacement, free hail inspections, siding, windows, gutters [7] |
Get a Free Storm Damage Inspection
In short: Call (314) 845-2166 or request a free inspection online.
Call (314) 845-2166 or request your free inspection online [18]. We’ll document what the storm did and hand you the report, and the claim stays yours [1] [2].
Our office is at 3814 Lemay Ferry Rd, St. Louis, MO 63125, open Monday through Friday, 8:00 AM to 4:00 PM [18].
Sources
- Lane House, Hail Damage Roof Inspection in St. Louis: https://lanehouseroofingandexteriors.com/hail-damage-roof-inspection-st-louis/
- Missouri Revisor of Statutes, RSMo Section 407.725 (L. 2011 SB 101, A.L. 2014 SB 610, effective August 28, 2014): https://revisor.mo.gov/main/OneSection.aspx?section=407.725
- Missouri Code of State Regulations, 20 CSR 100-1.050, Standards for Prompt, Fair, and Equitable Settlement of Claims: https://www.sos.mo.gov/cmsimages/adrules/csr/current/20csr/20c100-1.pdf
- Missouri Department of Commerce and Insurance, Raising the Roof on Insurance Coverage: https://insurance.mo.gov/raising-roof-insurance-coverage
- Missouri Department of Commerce and Insurance, roof coverage summary: American Family Insurance Company: https://insurance.mo.gov/raising-roof-insurance-coverage/american-family-insurance-company
- Owens Corning, Lane House Roofing & Exteriors contractor profile: https://www.owenscorning.com/en-us/roofing/contractors/contractor-profile/209949
- Lane House Roofing & Exteriors, homepage and FAQ: https://lanehouseroofingandexteriors.com/
- NAIC, Rebuilding After a Storm: Know the Difference Between Replacement Cost and Actual Cash Value When It Comes to Your Roof, July 22, 2021: https://content.naic.org/article/rebuilding-after-storm-know-difference-between-replacement-cost-and-actual-cash-value-when-it-comes
- Missouri Department of Commerce and Insurance, roof coverage summary: Allstate Property and Casualty Insurance Company: https://insurance.mo.gov/raising-roof-insurance-coverage/allstate-property-and-casualty-insurance-company
- Lane House, Roof Replacement Timeline: What to Expect in St. Louis: https://lanehouseroofingandexteriors.com/roof-replacement-timeline-st-louis/
- Owens Corning, Preferred Protection Limited Lifetime Warranty, Pub. No. 10020609-P, August 2026: https://dcpd6wotaa0mb.cloudfront.net/mdms/dms/Roofing/10020609/10020609-Preferred-Protection-Warranty-Legalese.pdf
- Lane House, Roof Replacement Services: https://lanehouseroofingandexteriors.com/residential-roofing/
- Better Business Bureau, Lane House Roofing and Exteriors profile: https://www.bbb.org/us/mo/saint-louis/profile/roofing-contractors/lane-house-roofing-and-exteriors-0734-310020870
- Missouri Revisor of Statutes, RSMo Section 325.010, public adjuster definition (A.L. 2008 SB 788): https://revisor.mo.gov/main/OneSection.aspx?section=325.010
- Missouri Revisor of Statutes, RSMo Section 325.015, public adjuster license required (L. 1973 SB 28): https://revisor.mo.gov/main/OneSection.aspx?section=325.015
- Insurance Information Institute, Understanding Your Insurance Deductibles: https://www.iii.org/article/understanding-your-insurance-deductibles
- Missouri Department of Commerce and Insurance, Resources for Severe Weather Victims: https://insurance.mo.gov/severe-weather/resources-severe-weather-victims
- Lane House, Contact Us: https://lanehouseroofingandexteriors.com/contact-us/
