Storm Damage 101: What to Do Before Calling Your Insurance Company
When severe weather hits, your roof is often the first line of defense—and the first to take the impact. Whether it’s hail, high winds, or heavy rain, storm damage to your roof can lead to leaks, interior damage, and costly repairs. Acting quickly—and correctly—can make all the difference when it comes to protecting your home and maximizing your insurance claim.
Here’s a step-by-step guide on what to do before calling your insurance company.
1. Ensure Safety First
After a storm, safety is the top priority. Avoid climbing on the roof yourself—damaged shingles, slippery surfaces, and hidden structural issues can make it dangerous. Instead, inspect your property from the ground. Look for fallen branches, missing shingles, dented gutters, and debris in your yard.
2. Document the Storm Damage Thoroughly
Insurance companies require proof of damage, so the more detailed your documentation, the better.
Take wide and close-up photos of your roof, siding, gutters, and any other affected areas.
Record videos showing the extent of damage.
Capture images of debris, hail, broken windows, or water entering your home.
Pro Tip: Include a date stamp or keep a copy of the storm’s weather report for extra credibility.
3. Check for Interior Damage
Storm damage isn’t always visible from the outside. Walk through your home and look for:
Water stains on ceilings or walls
Damp insulation in the attic
Warping or bubbling paint
Soft spots in ceilings or drywall
Document this interior damage as well—it often strengthens your insurance claim.
4. Schedule a Professional Roof Inspection
Before contacting your insurance company, it’s wise to have a roofing contractor inspect your home. Professional roofers can:
Identify hidden storm damage not visible from the ground
Provide a detailed roof inspection report
Estimate repair or replacement costs
At Roov, we offer free roof inspections and work directly with homeowners to ensure no damage goes unreported.
5. Review Your Insurance Policy
Familiarize yourself with your coverage before calling your insurer. Understanding your deductible, exclusions, policy limits and claim process will help you ask the right questions and avoid surprises.
6. Contact Your Insurance Company with Confidence
With documentation and a professional inspection in hand, you’ll be prepared to provide clear, organized information to your insurance adjuster. This can significantly speed up the claim process and increase the likelihood of full coverage.
Why Acting Fast Matters
Insurance companies often have deadlines for filing storm damage claims, and delays can lead to further roof deterioration. Quick action ensures your home is protected and your claim remains valid.
Your Local Storm Damage Roofing Experts
If your home has been hit by a storm, don’t wait—contact Roov today for a free, no-obligation roof inspection. We specialize in storm damage roof repair, insurance claim assistance, and protecting your home from future weather events.