What to do after storm damage to your roof

1. Stay safe

Don't climb on a wet or damaged roof. Watch for downed power lines, and if water is coming through a ceiling near lights or outlets, turn off power to that area if it's safe to do so.

2. Document everything

Take dated photos and video of the roof from the ground, damaged shingles in the yard, gutters, siding, windows and any leaks or stains inside. Keep receipts for anything you spend.

3. Prevent more damage

Your policy may require you to take reasonable steps to prevent further damage, like a tarp over a hole. Put buckets under drips and move belongings. Keep receipts for temporary repairs.

4. Call your insurance company

Report the damage and ask about your deductible (some policies have separate wind or hurricane deductibles), what's covered and the next steps. An adjuster may inspect.

5. Get a roofer's inspection

A roofer can inspect, document damage with photos and give you a written estimate to share with your insurer. Only your insurance company can decide whether a claim is approved.

6. Watch out for storm chasers

After big storms, out-of-town crews often go door to door. Check the license and local address, never pay large sums up front, and don't sign anything under pressure. See our roofer checklist.