Radar shows no hail of three quarters of an inch or more in Emerson zip codes since October 14, 2020.
Across the Emerson zip codes, about 662 homes are counted by the Census Bureau; the largest share was built in the 2000s (20%) and 65% before 2000. That mix shapes claims here: older roofs face more questions about wear, and newer ones about whether hail did functional damage.
Before you file
Find out whether the damage is real and whether it is storm damage. A roofer who documents slope by slope saves you from filing a claim that goes nowhere. Then use the date above that matches your damage. Insurance or roofer first?