1. Stay Safe
Don't climb on a damaged roof. Watch for downed power lines. If there's structural damage, stay out of affected rooms.
2. Document Everything
Photos from the ground: missing shingles, fallen limbs, dented gutters, debris. Photos inside: water stains, drips. Note the date and time of the storm.
3. Stop the Water
If water is coming in, place buckets and move valuables. Call for emergency tarping — don't wait for the next rain.
4. Call Your Insurance
File promptly. Note your claim number. Ask about your deductible and coverage type (ACV vs replacement cost).
5. Get a Professional Assessment
Have a roofer inspect and document all damage before the adjuster arrives. Photos from the roof surface show what ground photos miss.
6. Don't Sign Anything Hasty
Storm chasers knock on doors after every major storm. Don't sign contracts under pressure. Get a local roofer you can find next year.