What to Do After Storm Damage to Your Roof
Storm damage to your roof can be devastating and requires immediate action to prevent further harm to your property. This comprehensive guide walks you through the essential steps to take after your roof has been damaged by severe weather.
Immediate Steps: Safety First
Your safety and that of your family is paramount. If the storm is still ongoing, stay indoors and away from windows. If you suspect structural damage, evacuate the property and call emergency services. Never attempt to climb on a damaged roof during or immediately after a storm.
Step 1: Document the Damage
Once it's safe, thoroughly document all damage with photographs and videos from multiple angles. Include:
- External roof damage (missing tiles, holes, debris)
- Interior damage (water stains, leaks, collapsed ceilings)
- Damaged property and belongings
- Date-stamped images showing the extent of damage
Step 2: Prevent Further Damage
You have a duty to mitigate further damage to your property. This might include placing buckets under leaks, moving furniture away from damaged areas, or covering exposed areas with tarpaulins. Keep all receipts for emergency materials - these may be reimbursable by your insurance.
Important Warning
Do not attempt temporary repairs yourself if it involves climbing on the roof. This is extremely dangerous, especially after storm damage. Contact a professional emergency roofing service immediately for temporary weatherproofing.
Step 3: Contact Your Insurance Company
Notify your insurance provider as soon as possible, ideally within 24-48 hours. Provide them with:
- Your policy number and contact details
- Date and time of the storm
- Detailed description of the damage
- Your photographic evidence
Step 4: Get Professional Assessment
Contact a reputable local roofing contractor for a professional assessment. They will provide a detailed inspection report and quote for repairs, which you'll need for your insurance claim. Choose an established company with proper insurance and accreditations - be wary of 'storm chasers' who go door-to-door after severe weather.
Step 5: Understand Your Coverage
Most home insurance policies cover storm damage, but it's important to understand what's included:
- Check your policy excess amount
- Understand what constitutes 'storm' in your policy (usually winds over 55mph)
- Know if alternative accommodation is covered
- Check if contents insurance covers damaged belongings
Common Insurance Pitfalls to Avoid
Insurance claims can be denied if the damage resulted from lack of maintenance rather than storm damage. This is why regular roof maintenance is so important. Insurers may also refuse claims if you've made unauthorized repairs before their assessment, so always get approval first.