Roof Storm Damage: Insurance Claim Steps
After roof storm damage, stay safe, take dated photos, protect the roof from further water, contact your insurer promptly, get a written inspection report and compare repair estimates before approving work.
Step 1: Stay safe and document
Do not climb on a damaged roof. Photograph damage from the ground, note the storm date and take pictures of any interior water stains.
Step 2: Prevent further damage
If water is getting in, a temporary tarp can limit the damage. Keep receipts, since temporary protection costs are often part of a claim.
Step 3: Contact your insurer
Report the damage promptly. Policies set deadlines and requirements, so check yours and ask what documents the insurer needs.
Step 4: Get an inspection report
A written roof inspection with photos gives you a clear record of the damage and its extent.
Step 5: Review estimates
Compare itemized estimates and make sure the scope matches the damage. If the roof is badly damaged, ask about roof replacement. For smaller issues, see our guide to roofing repair.