Roofing After a Storm: What Insurance May Cover and Documentation Tips

After a storm, your roof can feel like a battered shield. Shingles torn, gutters bent, water creeping where it shouldn’t. It’s overwhelming—especially when you’re staring at the ceiling, wondering what your insurance will actually cover. At Robert Foley Roofing, we’ve seen it all. We know the steps to take, the pitfalls to avoid, and how to make the insurance process less of a headache.

This guide breaks down what to expect after storm damage, how to document everything like a pro, and how to work with adjusters and contractors for the best results. Whether you own a home or manage a commercial property, these tips can help you move from chaos to repair—without missing a beat.

Types of Storm Damage Covered by Insurance 🌩️

Not all storm damage is treated equally by insurance companies. Policies vary, but here’s what’s usually covered:

• Wind Damage: Missing shingles, torn flashing, or even structural damage from high winds.
• Hail Impact: Dents, cracks, or punctures in shingles, metal roofing, skylights, and gutters.
• Falling Debris: Tree limbs and flying objects that break tiles, damage decking, or pierce the roof.
• Water Intrusion: Leaks caused directly by storm-created openings, not by pre-existing wear.
• Lightning Strikes: Burns, holes, or electrical damage to roof systems.

However, insurance generally does not cover damage from poor maintenance, gradual wear, or pre-existing issues. Always check your policy’s exclusions and deductibles—these can be as tricky as a maze after a storm.

Quick Safety Checklist Before You Inspect

Storm aftermath can be dangerous. Before you step outside or onto your roof, pause and run through this safety list:

• Look for downed power lines—never approach them.
• Watch for loose shingles, slippery surfaces, or broken glass.
• If you suspect structural damage, stay off the roof.
• Wear heavy shoes and gloves.
• Take photos from the ground first.

If in doubt, call for professional help. Your safety comes first—no insurance claim is worth a twisted ankle or worse.

How to Document Roof Damage for Claims 📸

Think of documentation as building a case—every detail matters. Here’s how to do it right:

• Photograph Everything: Start wide, then zoom in. Capture the entire roof, specific damage, and anything unusual (like debris or water stains inside).
• Date Your Evidence: Use your phone’s timestamp or write the date on a notepad in the photo.
• Video Walkthroughs: Narrate what you see as you record. Mention the storm’s date and what you’re pointing to.
• Keep Damaged Materials: Don’t throw away broken shingles or flashing until your adjuster has seen them.
• Document the Interior: Water stains, ceiling cracks, and wet insulation can support your claim.

Detailed records help you avoid disputes and speed up the claim process. If you’re not sure what’s important, more is better than less.

When to Call an Expert

Some damage is obvious. Other times, it hides under the surface—waiting to cause trouble later. If you see sagging, suspect leaks, or have a flat roof, it’s wise to bring in professionals for a full inspection. At Robert Foley Roofing, our team knows how to spot hidden problems and prepare thorough reports for insurance. For those seeking storm damage restoration, professional assessment is often the difference between a quick claim and a drawn-out dispute.

DIY vs. Professional Assessment

It’s tempting to climb up and check things out yourself. But unless you have roofing experience, some issues are easy to miss. Professionals use moisture meters, drones, and years of trained eyes to find damage you might overlook. Plus, insurance adjusters trust documented reports from certified contractors.

What Pros Do On Arrival

When a roofing crew arrives, here’s the process:

• Safety First: Secure the site and check for active leaks.
• Full Inspection: Assess shingles, flashing, gutters, skylights, and attic spaces.
• Temporary Fixes: Apply tarps or sealants to prevent further damage.
• Detailed Report: Provide photos, measurements, and written descriptions for your insurer.
• Advice: Outline next steps based on code requirements (like those from the International Building Code).

This approach ensures nothing is missed and your insurance claim is well supported.

Working with Adjusters and Contractors 🤝

Think of insurance adjusters as referees—they decide what’s fair based on evidence. Here’s how to help them help you:

• Be Present: If possible, meet the adjuster at your property.
• Share Documentation: Give them your photos, videos, and contractor reports.
• Ask Questions: Clarify what’s covered and what isn’t.
• Stay Polite: Adjusters are people too. Clear, friendly communication goes a long way.
• Get Everything in Writing: Summarize conversations and keep emails for your records.

Contractors and adjusters sometimes see things differently. If there’s a disagreement, a second opinion from a licensed roofer can make a big difference.

Common Mistakes to Avoid

• Waiting Too Long: Delays can lead to further damage—and claim denials.
• Starting Repairs Without Approval: Unless it’s an emergency, get the green light from your insurer first.
• Throwing Away Damaged Materials: Keep evidence until the adjuster says it’s okay.
• Ignoring Small Leaks: Tiny drips can cause major headaches if left unchecked.
• Not Reading Your Policy: Know your deductible and coverage limits before you file.

Emergency Services and Temporary Repairs

Sometimes, you can’t wait for the paperwork. If water is pouring in or the roof is unsafe, emergency tarping or sealing may be needed. Most insurers allow temporary repairs to prevent further damage—just keep all receipts and photos. If you need urgent help, roofing services in Euless are available to respond quickly and minimize disruption.

Tips for a Smooth Claims Process 📝

• Act Fast: Notify your insurer as soon as you spot damage.
• Stay Organized: Keep a dedicated folder (digital or paper) for all claim documents.
• Follow Up: Don’t be afraid to check on your claim’s status.
• Get Multiple Estimates: If possible, compare repair quotes.
• Understand Your Rights: State insurance departments (like Texas Department of Insurance) offer consumer guides and can help if disputes arise.

Timeline & Disruption: What to Expect

Insurance claims can move at different speeds. Some are settled in days, others take weeks. Repairs depend on weather, material availability, and the extent of the damage. Ask your contractor for a realistic timeline and be prepared for some noise and dust during the process.

Seasonal Considerations

Storms don’t wait for a convenient time. Spring hail, summer winds, and autumn rains each bring unique challenges. After any major storm, schedule a roof inspection—even if you don’t see obvious damage. Preventative maintenance can catch small issues before they become big expenses.

Prevention & Maintenance: Building a Resilient Roof

The best defense is a good offense. Regular gutter cleaning, attic insulation, and professional inspections keep your roof in fighting shape. Consider upgrading to impact-resistant shingles or metal roofing, especially if you live in a storm-prone area. Simple steps today can save you stress and money tomorrow.

Signs of Trouble: What to Watch For

• Water stains on ceilings or walls
• Missing or curled shingles
• Bent or detached gutters and downspouts
• Granules collecting in gutters
• Unusual drafts or warm spots in the attic

Spotting these signs early makes repairs easier and claims smoother.

Costs & Time Factors

Insurance typically covers the cost to restore your roof to its pre-storm condition—minus your deductible. Upgrades or code-required improvements may be extra. Ask your contractor for a detailed breakdown, and don’t be afraid to negotiate with your insurer if something doesn’t add up.

Materials & Equipment Used in Repairs

Depending on your roof type—shingle, tile, metal, or flat—repair materials and techniques will vary. Quality matters. Using code-approved materials ensures your claim is honored and your roof stays strong for years to come.

FAQ: Your Storm Damage Questions Answered

Q: Will my rates go up after a claim?
A: It depends on your insurer and local regulations. Ask your agent for details.

Q: Can I choose my own contractor?
A: Yes—insurers may suggest options, but the choice is yours.

Q: What if my claim is denied?
A: Ask for a written explanation and consider a second inspection or appeal.

Q: How do I prepare for the next storm?
A: Regular maintenance, prompt repairs, and knowing your policy are key.

Final Thoughts

Storm damage is stressful, but you’re not alone. With the right documentation, clear communication, and a professional on your side, you can weather the process and restore your property with confidence. For those searching for Decking near you, or help with storm repairs, Robert Foley Roofing is ready to assist—no matter the season or the challenge.

Call Robert Foley Roofing now — or reach us anytime at  844-684-1881 .