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Homeowner guide

What to do after wind or hail damages your roof

Move quickly, but do not climb onto a wet or unstable roof. The safest sequence protects people first and evidence second.

This guide provides general information. An on-property inspection is the way to assess actual condition and the appropriate scope.

Stay clear of immediate hazards

Keep people away from fallen limbs, sagging ceilings and any line that may be electrical. If water is near electrical fixtures or the structure appears unstable, contact emergency professionals.

Document what you can see safely

Photograph interior stains, fallen debris, missing materials and the date of the storm from safe locations. Do not throw damaged material away until you know whether it needs to be documented.

Limit additional water damage

Move belongings, use containers where safe and arrange professional temporary protection if the roof is open. A tarp should be secured without creating more penetrations or putting anyone at risk.

Get a roof-specific inspection

Wind can break shingle seals and hail can bruise materials without an obvious ground-level hole. A written inspection helps separate storm damage from age and maintenance issues.

Frequently asked questions

Straight answers

Should I call a roofer or insurance company first?

If there is an emergency, address safety and temporary protection first. For a claim, follow your policy’s notice requirements. A roof inspection can help you understand and document visible conditions; the insurer decides coverage.

Can I tarp the roof myself?

Avoid climbing onto a storm-damaged, wet or steep roof. Improper tarping can cause falls, trap water or create new holes. Professional temporary protection is safer.

No-cost inspection

Know what your roof actually needs.