After a St. Louis hailstorm, almost everyone inspecting your home is looking at the roof. Windows and doors get a glance from the driveway — and that’s exactly how torn screens, pitted cladding, cracked glazing beads, and failed seals end up missing from a claim that should have covered them.
314 Window & Door came up through the roofing world, working as the window crew behind St. Louis roofing companies. We know how storm claims are documented — and we know windows and doors better than anyone who climbs down off a roof to look at them. When we assess your home, we inspect every elevation, photograph what we find, and give you an itemized scope of the window and door damage you can hand directly to your adjuster.
See our window installation and door installation services, review our warranty coverage, or request a free storm assessment — we respond within 24 hours, and immediately for emergencies.
Hail rarely shatters a window outright. It pits and dents vinyl and aluminum cladding, tears screens, cracks glazing beads, chips the glass edge, and damages window wraps and trim — damage that reads as cosmetic from twenty feet away and turns into seal failure, fogging, and water intrusion a year later.
Wind pulls screens out of frames entirely, drives rain past weather stripping that was fine the day before, flexes glass hard enough to break the glazing seal, and racks door frames out of square so they no longer latch or seal.
Both are typically covered under the same wind and hail claim as your roof, though coverage and deadlines vary by carrier and policy — which is why documenting the openings early matters as much as documenting the shingles.
Straight answers about storm damage, insurance claims, and what happens next. Need someone out now? Call (314) 816-3636 — we answer 24 hours.
In most cases yes — hail and wind damage to windows, frames, screens, and doors is generally covered under the same storm claim as your roof, though coverage depends on your specific policy and carrier. The problem isn’t usually coverage; it’s documentation. If the window damage never makes it into the scope, it never gets paid. That’s the gap our assessment is built to close.
Look for torn or perforated screens, small dents or pitting on vinyl and aluminum cladding, chips along the glass edge, cracked or crumbling glazing beads, and damaged window wraps or trim. Check the elevation that faced the storm first. Fogging between panes can show up months later as a failed seal. If you’re unsure, we’ll come look for free and tell you plainly whether it’s worth filing.
Many Missouri policies allow up to a year from the date of the storm, but timelines vary by carrier and some are considerably shorter — check your policy or call your agent. Practically speaking, the sooner you document, the easier it is to tie the damage to a specific weather event. Waiting also risks a failed seal turning into water damage that costs more than the window.
No — public adjusting is a licensed role in Missouri and we don’t perform it. What we provide is thorough documentation: photographs of every elevation, a written itemized scope of the window and door damage, and the option to meet your adjuster on site so nothing gets missed during the inspection. You and your insurer handle the claim itself; we make sure the openings are actually in it.
Call (314) 816-3636 — we’re available 24 hours for emergencies. We can secure and board up the opening to stop further water damage, then complete the full assessment and permanent replacement once the immediate problem is contained. Document the damage with photos before anything gets cleaned up if you safely can; it helps your claim.
Adjusters are generalists working quickly, and the roof is where the money usually is. Window and door damage is subtler: a pitted frame, a hairline crack in a glazing bead, a screen that’s torn rather than gone. On the elevation that actually took the hail, that damage is easy to walk past — and once a claim is settled, reopening it for damage that was there all along is an uphill argument.
Our role is evidence, not argument. We are not public adjusters and we don’t negotiate your claim — that’s a licensed role in Missouri and it isn’t ours. What we do is inspect thoroughly, photograph every elevation including frames, screens, and seals, and hand you documentation specific enough that nothing gets overlooked by accident.
When your claim is approved, the same certified crew that documented the damage installs the replacement — no handoff to a subcontractor, no second company to coordinate. We’re Andersen and Pella Certified Contractors and install ProVia, Simonton, Waudena, and Therma-Tru, so we can match your existing windows or upgrade the whole elevation, whichever the scope calls for.
