Storm Damage: How to File a Roof Insurance Claim

The Northeast sees its share of severe weather — from nor'easters and heavy snowstorms to summer thunderstorms with hail and high winds. When a storm damages your roof, your homeowner's insurance should cover the repairs. But the claims process has pitfalls that can leave you underpaid or denied if you are not prepared.

Step 1: Document the Damage Immediately

• Take clear photos and video of all visible damage from the ground — missing shingles, dented gutters, fallen branches on the roof, interior water stains
• Photograph the date stamp on your phone or a newspaper in the frame to establish a timeline
• Save any weather reports or storm alerts from that date
• Do not throw away damaged materials until the adjuster has seen them

Step 2: Make Temporary Repairs Only

Your policy requires you to mitigate further damage, but do not make permanent repairs before the adjuster inspects. Tarping a leak or boarding up a broken skylight is appropriate. A full re-roof before the claim is processed can result in a denial. Keep all receipts for temporary repairs — these are typically reimbursable.

Step 3: Contact Your Insurance Company

File the claim as soon as possible. Most policies have time limits for reporting damage. Provide your documentation and request an adjuster visit. Ask for a copy of your policy's roofing coverage section so you understand your deductible and any exclusions.

Step 4: Get a Professional Roof Inspection

Before or alongside the adjuster visit, have a licensed roofing contractor inspect the damage independently. A roofer experienced with insurance claims can identify damage the adjuster might miss, especially hail impact marks and wind-lifted shingles that are not visible from the ground.

Working with the Adjuster

• Be present during the adjuster's inspection if possible
• Share your contractor's findings and photos
• If the adjuster's estimate seems low, you have the right to request a re-inspection or file a supplement
• Never sign over your full insurance check to a contractor before work is completed

Red Flags to Watch For

Be cautious of storm-chasing contractors who go door-to-door after severe weather offering free inspections and pressuring you to sign contracts on the spot. Work with a local, established company you can trust. Roofs Etc has been helping Tri-State homeowners navigate storm damage claims for years, and we are always happy to walk you through the process.