What Should I Do When A Storm Damages My Roof?

When a storm damages your roof, it’s crucial to act promptly and carefully to protect your property and ensure you can successfully file an insurance claim. Here are the steps you should take:

Ensure Safety First:

Before assessing the damage, ensure that it is safe to do so. If there are hazards like downed power lines or severe structural damage, stay away from the area and contact emergency services.

Document the Damage:

Take photographs and videos of the damage from a safe distance. Capture all visible signs of damage, including missing shingles, holes, leaks, and debris. Documenting the damage is essential for insurance claims.

Prevent Further Damage:

If possible and safe, take temporary measures to prevent further damage to your property. This might include covering holes with a tarp or moving belongings away from the affected area. However, do not attempt major repairs, as this could be dangerous.

Contact Your Insurance Company:

Notify your insurance company about the damage as soon as possible. Provide them with details about the storm and the extent of the damage. Your insurance policy may have specific requirements for reporting claims within a certain timeframe.

File an Insurance Claim:

Work with your insurance company to file a claim. Provide them with the documentation you gathered and follow their instructions for the claims process. An adjuster may be sent to inspect the damage.

Hire a Professional Roofer:

Contact a licensed and reputable roofing contractor to assess the damage and provide an estimate for repairs. Be cautious of contractors who appear immediately after a storm, as some may be opportunistic and not provide quality work.

Keep Records:

Maintain records of all communications with your insurance company and contractors, as well as any temporary repairs or accommodations expenses. This documentation can be useful in supporting your claim.

Consult an Insurance Attorney:

If you encounter difficulties with your claim, consider consulting with an attorney specializing in insurance claims. They can help ensure you receive a fair settlement.

Further Reading: Florida Roof Claim Lawyer: Your Ally for Insurance Claim Success