Storm Damage: A Homeowner's Complete Guide

Immediate Steps After a Storm

Safety First

Don't climb on your roof

Watch for downed power lines

Be cautious of structural damage

Document Everything

Take photos from the ground

Document interior damage (water stains, leaks)

Note the date and time of the storm

Save weather reports

Temporary Protection

If you have active leaks:

Place containers to catch water

Move valuables away from leak areas

Call for emergency tarping if severe

Assessing Storm Damage

Signs of Roof Damage

Wind Damage

Missing or lifted shingles

Exposed underlayment

Damaged flashing

Debris impact marks

Hail Damage

Dents in metal components

Circular cracks in shingles

Granule loss (check gutters)

Soft spots when pressed

Water Damage

Ceiling stains

Peeling paint

Mold or mildew smell

Sagging ceiling areas

Filing an Insurance Claim

Step 1: Review Your Policy

Understand your coverage

Note your deductible

Check claim filing deadlines

Step 2: File Promptly

Contact your insurance company

Provide documentation

Request a claim number

Step 3: Get Professional Inspection

Schedule with a reputable roofer

Get a detailed damage report

Obtain a repair/replacement estimate

Step 4: Meet with Adjuster

Be present for the inspection

Point out all damage areas

Provide your contractor's estimate

Working with Your Insurance Company

What to Expect

Initial payment (minus deductible)

Possible supplement for hidden damage

Final payment after work completion

If Your Claim is Denied

Request written explanation

Provide additional documentation

Consider a public adjuster

File an appeal if warranted

Choosing a Storm Damage Contractor

Red Flags to Avoid

Door-to-door solicitation right after storms

Pressure to sign immediately

Offers to waive your deductible (illegal)

No local address or references

What to Look For

Established local business

Proper licensing and insurance

Storm damage experience

Willing to work with your insurance

Preventing Future Damage

Schedule regular inspections

Address minor issues promptly

Consider impact-resistant materials

Maintain trees near your home