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After a storm, the first steps are safety, documentation and stopping further water damage. Photograph the damage from the ground, cover openings with a tarp, keep receipts and report the loss to your insurer.
For Madison County, NOAA lists 2 hail reports (largest 2 in), 5 damaging-wind reports (up to 70 mph) and 5 tornado reports from January 2024 to June 2026. These count reports, not damaged roofs.
Thunderstorm winds estimated to be about 60 mph in magnitude downed large, healthy branches in and near Fredericktown. Some fell on a residence and damaged its gutters and roof, though the true extent of the damage is unknown. Other...
Report of lots of small hail with a few ping pong sized stones.
Thunderstorm winds collapsed an outbuilding at Buckhorn General Baptist Church, downed a tree over a road near Buckhorn, then blew a roof from a mobile home in Marquand.
Source: NOAA NCEI Storm Events Database, data through Jun 30, 2026. All storm reports for Cobalt
| Job | Typical US range |
|---|---|
| Emergency tarp / temporary cover | $300 – $1,500 |
| Minor roof repair (leak, flashing, a few shingles) | $350 – $1,500 |
| Larger repair or partial re-roof | $1,500 – $5,000 |
National planning ranges for an average ~2,000 sq ft home, not quotes. Local labor, roof pitch, layers to remove, materials and permits change the price.
Stay off the roof, take dated photos from the ground, make temporary repairs to prevent more damage, and call your insurer.
Policies often set a deadline, commonly within a year of the loss and sometimes sooner. Check your policy.
Many cities and counties require a building permit for roof work; the roofing company normally pulls it. Ask who is responsible and request a copy. Check with the Madison County building department for local rules.
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