After a storm
After a storm: what to do first, and what we do
- 01
Step 1: Stay safe
Stay off the roof and away from fallen lines. Water near a fixture is a reason to switch that circuit off.
- 02
Step 2: Photograph it
Take pictures of damage from the ground and inside, with the date, before anyone touches anything.
- 03
Step 3: Cover it
A tarp keeps water out. Keep the receipts for temporary repairs.
- 04
Step 4: Call your insurer
You decide whether to file, and you deal with your insurer directly.
- 05
Step 5: Ask for an inspection
We inspect the roof, photograph it and write an itemized estimate you can share. If you ask, we can meet your adjuster at the roof.
Where we stand
Where we stand on insurance work
You decide whether to file
We do not tell you to file, and we do not file for you.
The deductible is yours
We do not pay, waive, absorb or discount it.
Your claim is yours
We inspect, photograph and write an itemized estimate. We do not negotiate your claim.
Your insurer decides coverage
A roof that is worn out, and not storm-damaged, is not covered by most policies.
Storm questions
What people ask after a storm
Will insurance pay for my roof?
For sudden damage, subject to your policy. Not for wear, age or poor maintenance. Replacement-cost policies pay the full cost, and actual-cash-value policies deduct depreciation. The deductible stays with you.
Can you cover my deductible?
No. The deductible stays with you. We can document the damage and meet the adjuster at the roof. Your claim stays between you and your insurer.
What should I do right after storm damage?
Photograph it, make only temporary repairs such as a tarp, tell your insurer quickly, and have your roofer present when the adjuster comes.
What about door-knockers and "free roof" offers?
Insurance pays for covered damage only, and you still owe the deductible. Check the license, a local address and insurance, and do not sign over your claim rights.
How do I know it is hail damage?
Bruised or cracked shingles, round patches of lost granules, and dents in vents and gutters. Photograph before the adjuster visits.
What are Class 4 shingles?
UL 2218 Class 4 is the top impact rating for a roofing product. Some insurers discount for them. Each company decides.
Request a roof inspection
We inspect, photograph and write an itemized estimate you can share with your insurer.