A major storm can cause real roof damage in minutes — wind tearing shingles, hail puncturing the surface, a falling branch breaking through. The 48 hours after a storm matter a lot.
Step 1: Safety first
Don't go on the roof. Storm-damaged roofs can have soft spots, loose shingles, hidden electrical hazards, slick surfaces. Survey from the ground first. Binoculars or drone footage if you have access.
Step 2: Document everything before touching anything
Insurance claims hinge on documentation. Before any repairs:
- Exterior photos from multiple angles
- Close-ups of visible damage
- Interior ceiling stains, water spots
- Surrounding area — fallen trees, damaged fence
- Video walkthroughs are even better
- Save weather reports of the storm
Step 3: Stop further damage (temporary)
Most insurance policies require you to prevent further damage. Tarp the roof or seal entry points. If you can't do this safely, call a contractor who provides emergency tarping. Document before and after.
Step 4: File the insurance claim
Call your insurance company's claims line. Be ready to provide policy number, describe damage and timing, confirm temporary repairs. The adjuster will inspect in person or virtually.
Step 5: Get multiple contractor inspections
Storm damage roofing attracts both legitimate contractors and storm-chasers (out-of-state contractors who descend on storm areas, do quick work, then disappear).
- Locally-established contractors with physical address
- Licensed and insured (verify the license)
- References from neighbors or local jobs
- Written estimates with itemized scope
- No we'll waive your deductible pitches — often insurance fraud
Watch for the door-knocker
Storm-chasing contractors knock after major storms claiming they noticed damage. Never sign anything on the spot. Never agree to let them deal with your insurance — that's an Assignment of Benefits agreement that can transfer your insurance rights.
Step 6: Coordinate with the adjuster
Best practice: have your contractor present (or their estimate in hand) when the adjuster inspects. Adjusters can miss damage; contractors point out what they see.
Step 7: Authorize work
Get the contractor's schedule, payment terms, and warranty in writing. Don't pay full amount upfront — deposit, milestone payments, final after completion is standard.