What to Do After Storm Damage: A Homeowner's Guide

A major storm just hit your area. You suspect roof damage. What you do in the next 48 hours matters. Here is the step-by-step process to protect your home and your wallet.

Step 1: Document Everything (Day 1)

Take photos of any visible damage from the ground. Do not climb on the roof. Photograph: missing shingles, debris on the roof, dents in gutters, water stains inside, and any fallen trees or branches. Date-stamp everything. This documentation is critical for your insurance claim.

Step 2: Prevent Further Damage

If there is active water intrusion, place buckets under leaks and use tarps to cover damaged areas if you can do so safely. Your homeowner's insurance covers "reasonable measures to prevent further damage." Keep receipts for any materials you buy.

Step 3: File Your Insurance Claim (Day 1-2)

Call your insurance company as soon as possible. Most policies require prompt notification. Provide your documentation and request an adjuster visit. Ask about your deductible and coverage limits. Do not start permanent repairs until the adjuster has inspected.

Step 4: Get a Professional Inspection (Day 2-3)

Hire a licensed roofing contractor to inspect the damage. A professional will find issues you cannot see from the ground, including hidden hail damage, compromised flashing, and structural problems. Get a detailed written report with photos.

Step 5: Meet with the Adjuster

Have your contractor present when the insurance adjuster visits. They speak the same language and can point out damage the adjuster might miss. This is not adversarial. It is about getting an accurate assessment.

Step 6: Get Repair Estimates

Get at least 2-3 estimates from licensed contractors. Compare scope of work, materials, timelines, and warranties. Do not automatically go with the cheapest. The best value is a contractor who does the job right the first time.

Watch Out For Storm Chasers

After every major storm, unlicensed contractors go door-to-door offering inspections. Red flags: no local address, pressure to sign immediately, offering to waive your deductible (illegal), demanding large upfront payments, and no written contract.

Find verified, locally-rated roofers in your area instead of relying on door-to-door solicitation.