This guide is general information, not legal or insurance advice. Every policy is different, so read yours and talk to your insurance company or agent.
Step 1: Make it safe
- Stay off a damaged roof and away from downed power lines.
- If there is active water coming in, move belongings, put out buckets and protect what you can.
- If a tree or limb has punctured the roof, call for emergency tarping. See storm damage and emergency roofing.
Step 2: Document everything
- Take photos and video from the ground of the roof, gutters, siding, fences and yard.
- Photograph interior water damage: ceilings, walls and belongings.
- Note the date and time of the storm and save any weather alerts.
- Keep receipts for temporary repairs, since these are often reimbursable.
Step 3: Contact your insurance company
Most policies require prompt notice. Ask what your policy covers, what your deductible is and what documentation they want. Many policies in this region carry a separate, often percentage-based, wind and hail deductible. It is worth knowing this before you decide how to proceed.
Step 4: Get the roof inspected
An inspection from a licensed contractor tells you what damage exists, how far it extends and what a proper repair involves. You are free to choose your own roofer. Be cautious of anyone who promises that insurance will cover everything or offers to waive your deductible, since that is not something a contractor can honestly promise.
What adjusters and roofers look for
- Hail: bruises and granule loss on shingles, dents on metal, gutters, vents and flashing
- Wind: creased, lifted or missing shingles, damaged ridge caps and exposed decking
- Trees and limbs: punctures, broken rafters, damaged fascia and gutters
Repair or replace: what insurance usually decides
Insurers generally pay for damage from covered events, not normal wear and age. A roof with damage across most slopes may qualify for replacement. A roof with damage in one area may be repaired. Your adjuster and a qualified roofer can help you understand where yours falls.
Choosing a contractor after a storm
- Choose a licensed and insured company with a local address.
- Get the scope and price in writing before work begins.
- Never sign over your insurance claim or benefits to a contractor without understanding what you are signing.
- Be wary of high-pressure sales and out-of-town crews that appear right after a storm.
Need someone to look at storm damage? Call (662) 676-5023. We will inspect the roof, document what we find and explain your options.