When a storm hits, it can leave behind a trail of damage — especially to your roof and home exterior. Your first instinct might be to call your insurance company immediately. But taking a few smart steps first can make the process smoother and protect your claim. You want to be prepared to file a claim and get the proper coverage for your home.
Here’s a checklist to follow before contacting your insurance provider:
1. Stay Safe First
If your roof looks damaged or there’s debris around, avoid going up there. Downed power lines, slippery surfaces, and unseen structural issues can be dangerous. Your safety always comes first.
2. Document the Damage
Take clear photos or videos of anything you see: missing shingles, broken gutters, ceiling leaks, fallen tree limbs, or dented vents. The more evidence you have, the stronger your claim will be.
3. Write Down What Happened
Make notes about the storm: when it occurred, what you heard or saw, and any emergency fixes you had to make (like tarping a leak). These details help establish a timeline for your claim
4. Don’t Make Permanent Repairs Yet
It’s okay to protect your home temporarily — like using tarps to stop leaks — but don’t make full repairs until your insurance adjuster has documented the damage. Early repairs may affect your payout.
5. Call a Roofing Pro Before the Insurance Company
A trusted roofing contractor like Kainos Roofing & Exteriors can give you a detailed storm damage report before the insurance adjuster arrives. This gives you more leverage in the claims process — and peace of mind that the damage is fully assessed. Even before a storm hits, you can schedule a free inspection to have a proper assessment of your home in pre-storm condition. Pre-storm documentation can help further prove that a storm has damaged your roof.
Need help after a storm?
📞 Contact Kainos today for a free storm inspection and damage documentation report.
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