Storm Damage Roof Insurance Claim: The Plain-Words Process

Stay off the roof. If water is coming in, move what you can and put a bucket under it. Call a contractor to tarp or dry in the damage; we do storm and emergency roof response, and an open roof gets worse by the hour. Keep every receipt from this step.

• Photos from the ground of every side of the house, plus close-ups of anything on the lawn: shingles, flashing, branches.
• Photos and video of interior damage: ceilings, walls, attic.
• The date and time of the storm.
• Don't throw debris away until your carrier has seen the photos.

Report the damage promptly; policies set their own reporting windows. Your carrier assigns an adjuster to inspect. Coverage, deductibles, and whether a roof is paid at replacement cost or a depreciated value are set by your policy. We don't interpret policies, and you shouldn't take any roofer's word for what yours covers.

This is where we come in. We inspect the roof, document the damage from the roof itself, and give you a written estimate for the repair or replacement. We work with homeowners on their insurance claims; if you want us there when the adjuster walks the roof, ask. In June 2025 we replaced a Wallingford roof along with hail-damage repair.

Not always. Hail knocks granules loose and cracks the shingle mat, and the damage can be invisible from the ground. Sometimes it's one slope; sometimes it's the whole roof. An inspection from the roof tells you which, and we'll give you both numbers if both are reasonable.

We do the inspection, the dry-in, the written estimate, the permit, the repair or replacement, and the construction-side paperwork. We don't give legal or insurance advice, act as a public adjuster, or promise what your carrier will pay. On the job itself, a storm roof is built like any other roof we do: the crew shows up when we say it will, moves quickly, explains what it's doing, charges a fair price, and leaves the yard clean.