Storm Damage?
Now What?

A step-by-step guide homeowner should follow after their roof sustains damage.

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.

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.
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