What to Do After Storm Damage Hits Your Roof

Introduction

Storm damage is stressful. Quick, calm action minimizes interior damage and makes insurance claims smoother.

This article gives you a five-step process: document, secure, claim, match scope, and close out—designed to protect homeowners and avoid common claim pitfalls.

Stay safe and document immediately

Avoid climbing the roof. Capture photos of shingles on the ground, dented gutters, and interior water spots. Note the date and storm type.

Cover interior furnishings and place buckets where needed to prevent further damage.

Arrange emergency dry-in

A rapid-response crew can tarp or membrane damaged sections the same day to stop active leaks.

Ask for documented moisture readings and photos; insurers often require them.

File a focused claim

Submit a concise description: date, storm type, visible damage, and any emergency measures taken.

Schedule the adjuster meeting when your contractor can be present to point out hail strikes, creased tabs, and collateral damage.

Match scope to building codes

Indiana code may require ice/water shield, drip edge, and ventilation upgrades when replacing significant roof areas.

If gutters, siding, or windows are affected, one cohesive scope reduces timeline overlap and protects warranties.

Get everything in writing

Collect the adjuster report, contractor proposal, materials list, and warranty terms in a single folder.

Confirm start date, crew lead, daily cleanup plan, and final inspection checklist before work begins.

Final advice

Keep a digital and physical folder with all claim documents. If you have questions about coverage language, consider a claims advocate before signing off on a scope.

Need help?

Need help documenting or getting an emergency tarp installed? We can prepare a checklist to hand to your adjuster and contractor before the inspection.