TL;DR
How to document storm damage, work with adjusters, and make informed decisions without rushing into the wrong scope.
After a storm, your inbox fills with offers and your neighbors start replacing roofs. Slow down. A clear process protects you from both under-repairing and over-spending.
Document before you repair
Take ground-level photos and video of visible damage: missing shingles, dented vents, damaged gutters, and interior stains. Note the storm date and save local weather reports if hail or high wind was reported in your area.
Do not remove damaged materials before your adjuster visit unless you need emergency tarping to stop active leaks, and photograph everything first.
Understand what adjusters look for
Adjusters assess whether damage is functional (affects water shedding or service life) versus cosmetic. Hail bruising on shingles, creased metal vents, and lifted flashing often qualify. Normal wear, old repairs, and pre-existing rot may not.
You can have your contractor present during the adjuster walkthrough to point out areas that are easy to miss from the ground.
Compare scopes, not just prices
Two estimates with different scopes are not apples-to-apples. Check for:
- Tear-off vs. overlay
- Ice and water shield at eaves and valleys
- Deck replacement allowance
- Ventilation upgrades
- Warranty registration and cleanup
The lowest bid that skips underlayment or ventilation may cost more when the next storm hits.
You choose your contractor
In most cases, you are not required to use the insurance company’s preferred vendor. Hire a licensed local contractor you trust, review the scope together, and make sure supplements are filed if hidden damage appears during tear-off.
When to file and when to wait
File when you have documented storm-related damage and a professional recommends repair or replacement. Wait if damage is minor and the roof has significant life left. Claims history can affect future premiums.
Need claim support? Our insurance claim roofing assistance team helps with documentation and scope clarity. Contact us for a storm damage inspection.