Storm Damage Knowledge Base

April 15, 2026\u00b74 min read

How to File a Storm Damage Insurance Claim in Illinois

Step-by-step guide to filing a hail or storm damage insurance claim in Illinois. Deadlines, homeowner rights, Department of Insurance contacts, and common mistakes to avoid.

April 15, 2026\u00b74 min read

Illinois Homeowner Rights When Choosing a Roofing Contractor

Know your rights as an Illinois homeowner when selecting a roofing contractor after storm damage. State licensing requirements, consumer protections, and red flags to watch for.

April 15, 2026\u00b74 min read

Most Hail-Prone Cities in Metro East Illinois

Which Metro East Illinois cities see the most hail damage? A look at Belleville, Collinsville, Edwardsville, O'Fallon IL, Granite City, and surrounding communities.

April 15, 2026\u00b75 min read

Complete Storm Damage Guide for Metro East Illinois Homeowners

Everything Metro East Illinois homeowners need to know about storm damage – from identifying hail damage to filing claims and choosing contractors in Belleville, Collinsville, Edwardsville, and beyond.

April 14, 2026\u00b710 min read

The Complete Guide to Hail Damage Roof Inspections

Everything homeowners need to know about hail damage inspections: what inspectors look for, damage types by material, the inspection process, and how findings connect to your insurance claim.

April 14, 2026\u00b75 min read

Hail Season in Arkansas — When to Watch and What to Do

Arkansas hail season runs March through June with peak severity in April and May. Learn what Central and Northwest Arkansas homeowners need to know to prepare.

April 13, 2026\u00b76 min read

How to File a Storm Damage Insurance Claim in Arkansas

Step-by-step guide for Arkansas homeowners filing hail or wind damage claims. Includes filing deadlines, AR Insurance Department contacts, contractor registration requirements, and AOB cautions.

April 12, 2026\u00b710 min read

Understanding Your Homeowner’s Insurance Policy — Storm Damage Coverage Explained

A plain-language guide to homeowner’s insurance for storm damage: ACV vs RCV, deductibles, the claim process step by step, and common pitfalls to avoid.

April 12, 2026\u00b75 min read

Arkansas Homeowner Rights — Choosing Your Own Roofing Contractor

Arkansas homeowners have the legal right to choose their own roofing contractor. Learn what to look for, red flags to avoid, and how AR licensing requirements protect you.

April 11, 2026\u00b75 min read

The Most Hail-Prone Cities in Arkansas

Little Rock, Conway, Benton, and Northwest Arkansas lead the state in hail frequency. Understand the geographic factors driving storm damage across Arkansas metros.

April 10, 2026\u00b78 min read

Roof Report Cards — What They Are, Why They Matter, and How to Read Yours

The SDAT Roof Report Card is a factual record of your roof’s condition — not a sales pitch. Learn what’s in it, how to read the damage categories, and how it strengthens your insurance claim.

April 10, 2026\u00b75 min read

What to Expect from an Insurance Adjuster in Arkansas

How Arkansas insurance adjusters operate, what they look for during roof inspections, your rights during the visit, and how having a Haag Certified professional present helps.

April 9, 2026\u00b75 min read

Hail Season in Missouri — When to Watch and What to Do

Missouri averages 8–12 significant hail events per year along the I-44 and I-70 corridors. Learn what STL and KC homeowners need to know about storm season preparation.

April 8, 2026\u00b78 min read

What Size Hail Causes Roof Damage? A Complete Visual Guide

From pea-sized to tennis ball: understand hail damage thresholds for every roofing material, plus why size alone doesn’t tell the whole story.

April 8, 2026\u00b76 min read

How to File a Storm Damage Insurance Claim in Missouri

Missouri-specific guide to filing hail and wind damage claims. Covers RSMo §407.725, DCI contacts, prompt payment requirements, cancellation rights, and contractor conduct laws.

April 7, 2026\u00b75 min read

Missouri Homeowner Rights — Choosing Your Own Roofing Contractor

Missouri homeowners can choose any licensed contractor for storm damage repairs. Learn what RSMo §407.725 protects, STL licensing differences, and what to verify.

April 6, 2026\u00b78 min read

The Homeowner’s Insurance Claim Checklist — Everything You Need Before You Call

A step-by-step checklist for filing a storm damage insurance claim: what to document, how to prepare for the adjuster, and how to maximize your payout.

April 6, 2026\u00b75 min read

The Most Hail-Prone Cities in Missouri

St. Louis, Kansas City, Columbia, and Springfield lead Missouri in hail frequency. Learn the geographic factors and metro-specific patterns driving storm damage.

April 5, 2026\u00b76 min read

Historic St. Louis Roofs and Storm Damage — What You Need to Know

Slate and tile roofs in Soulard, Shaw, Tower Grove, and the CWE require specialized storm damage assessment. Understand aging material vulnerability and insurance considerations.

April 4, 2026\u00b74 min read

ACV vs RCV — Which Insurance Payout Method Is Better for You?

Actual Cash Value vs Replacement Cost Value can mean thousands of dollars on a roof claim. Understand the difference with real dollar examples and learn how to check your policy.

April 3, 2026\u00b74 min read

5 Signs of Hidden Storm Damage You Might Be Missing

Granules in gutters, premature aging, attic stains, cracked siding, and dented AC units — five hidden indicators that your roof needs professional inspection.

April 2, 2026\u00b74 min read

What Is Haag Certification and Why Does It Matter for Your Roof?

Haag Engineering Certification is the industry standard for storm damage assessment. Learn what the certification requires and why insurance companies recognize it.

April 1, 2026\u00b74 min read

Storm Chasers vs Local Contractors — How to Tell the Difference

Door-to-door solicitation, deductible offers, and out-of-state plates are red flags. Learn how to identify storm chasers and find legitimate local contractors.