A post-storm guide for assessing roof damage and navigating insurance claims

AAR Roof Expert John Kenney says taking the proper steps after a strom ensures that you’ll be well-equipped to address post-storm roofing issues quickly and efficiently.

When severe storms strike, homeowners and commercial building owners worry about potential roof damage. High winds, hail and heavy rainfall can compromise roofing materials, potentially leading to leaks, structural issues and expensive repairs. Knowing what steps to take immediately after the storm can help safeguard your property, streamline the repair process and ensure you receive fair insurance coverage. Here’s a guide to assessing roof damage and working with insurance companies to facilitate necessary repairs.

The first step is always safety. After a major storm, there may be downed power lines, debris or loose roofing materials, so approach your property cautiously. Inspect the area around your building for hazards before stepping outside. Once you’ve verified it’s safe, you can begin a preliminary inspection of the roof from ground level. Using binoculars on steep slope roofs can help you spot any apparent damage, such as missing or broken shingles, tile, dented metal panels or fallen branches.  

Next, document everything you see. Taking photos and videos of the roof, gutters and any visible damage to the siding or surrounding landscape is essential. These images will indicate the storm’s impact and can be crucial when filing an insurance claim. For commercial building owners, it’s also wise to check any rooftop equipment, such as HVAC units, for visible damage. Accurate documentation ensures you have a record of the condition immediately following the storm.

While a ground-level inspection can reveal some issues, it’s often not enough to fully assess roof damage. Contact a licensed roofing professional or contractor who specializes in storm-related repairs. A qualified roofer will thoroughly inspect, identifying subtle problems like lifted shingles, damaged low-slope roofing and components compromised flashing or minor punctures. Identifying these issues early is vital, as they can lead to leaks and more extensive damage if left unaddressed. A reputable contractor can also provide a detailed report and repair estimate, which can support your insurance claim.

Understanding your insurance coverage is another crucial step. Review your policy to determine what types of damage are covered, what your deductible is and what any specific requirements are for filing a claim. Most insurance policies cover storm-related damage, but coverage levels may vary. Knowing whether you have a separate wind or hail deductible is essential, as these can differ from standard coverage. If you have questions, contact your insurance agent or company for clarification before filing a claim.

Once you’re prepared, file your insurance claim promptly. Insurance companies typically have deadlines for reporting storm damage, so don’t delay. Provide them with the photos, videos and any other relevant evidence you’ve collected, along with the written estimate from your roofing contractor. The insurer may send an adjuster to assess the damage in person. Having your roofing professional present during the adjuster’s visit is a good idea to ensure nothing is overlooked.

Throughout this process, maintain open communication with your roofer and insurance adjuster. If there are discrepancies in the damage assessment or repair estimates, having a contractor’s expertise on hand can help you negotiate a fair settlement. Avoid signing agreements or starting repair work before your insurer has given the green light unless emergency repairs are needed to prevent further damage. In those cases, keep all receipts and documentation.

Finally, once your claim is approved, schedule the repairs promptly to prevent any additional issues from arising, and stay proactive about roof maintenance after a storm, which protects your property’s structural integrity and can save money in the long run. When you take the proper steps — documenting damage, working with reputable professionals, and communicating effectively with your insurer — you’ll be well-equipped to address post-storm roofing issues quickly and efficiently. This approach ensures a smoother claims process, safeguarding your investment and restoring peace of mind.