Step-by-Step Guide: What to Do After Storm Damage to Your Roof

1. Ensure Safety First

• Stay Inside If Unsafe:
  Avoid going outside during or immediately after the storm if there are still high winds, lightning, or other dangerous conditions.
• Check for Hazards:
  Watch for downed power lines, broken glass, exposed nails, or structural instability before stepping outside.

2. Perform a Preliminary Visual Inspection (From the Ground)

• Walk around the exterior of your home and inspect for damage.
• Look for:
• Missing or curled shingles
• Damaged flashing
• Fallen branches or debris on the roof
• Exposed underlayment or decking
• Gutter or siding damage

3. Document the Damage

• Take Clear Photos and Videos:
  Capture wide shots of the whole roof and close-ups of specific damage.  (Do this from different angles and lighting if possible.)
• Time Stamp:
  If your phone or camera allows, make sure the time and date are included in your documentation.
• Log Details:
  Write down a list of observed issues and when you noticed them.

4. Prevent Further Damage

• Tarp the Roof:
  If safe to do so, or with professional help, install a tarp over exposed sections to prevent water intrusion.
• Secure Loose Items:
  Move furniture and valuables away from leaking areas inside your home and use buckets to collect drips.

5. Contact Your Homeowners Insurance Company

• File a Claim Promptly:
  Provide your insurer with all the documentation (photos, videos, notes) and follow their process for initiating a claim.
• Schedule an Adjuster Visit:
  An insurance adjuster will need to inspect the damage and evaluate your claim.

6. Hire a Reputable Roofing Contractor

• Research Local, Licensed Roofers:
  Choose one experienced in storm restoration and familiar with the insurance claims process.
• Avoid Storm Chasers:
  Be cautious of contractors who go door-to-door after storms. Always verify licenses, references, and reviews.
• Get a Written Estimate:
  The estimate should outline materials, labor, and timelines clearly.

7. Attend the Adjuster Meeting (if possible)

• Have Your Contractor Present:
  It’s often helpful to have your chosen roofer meet with the adjuster to ensure nothing is overlooked.
• Point Out All Damages:
  Walk the adjuster through your findings and make sure interior and exterior damages are noted.

8. Review the Insurance Estimate

• Understand the Scope of Work:
  Compare the insurance report with your contractor’s estimate to ensure alignment.
• Ask Questions:
  Clarify line items, depreciation, and whether the policy covers full replacement cost or actual cash value.

9. Proceed with Repairs or Replacement

• Sign a Detailed Contract:
  Include start and end dates, warranty information, materials to be used, and total cost.
• Monitor the Work:
  Stay in touch with your contractor during the process and ensure cleanup is part of the agreement.

10. Final Inspection & Documentation

• Walk the Property:
  Do a final walkthrough with the contractor to ensure all work was completed to your satisfaction.
• Collect Paperwork:
  Keep all receipts, warranties, and photos of the finished work for your records and potential resale.