When a powerful storm tears through your neighborhood, it can leave behind a lot of damage.
Between assessing the mess, filing insurance claims, and trying to get repairs started, many homeowners don’t know where to begin. However, with a few smart steps and help from the right roofing team you can get the situation under control and start putting your home back together.
Step 1: Stay Safe and Document Everything
Before doing anything else, make sure it’s safe to go outside.
Avoid downed power lines, standing water, and loose debris. Once you’re in the clear, take photos and videos of all visible damage from missing shingles and dented gutters to leaks inside your home.
This documentation is important for your insurance claim, making it easier to be properly compensated for repairs.
Step 2: Review Your Insurance Policy
Most homeowners’ insurance policies cover storm-related roof damage, but the fine print matters.
Look for details about your deductible, coverage limits, and exclusions for older roofs or certain types of damage. If you’re unsure, contact your insurance agent for clarification.
Having a clear understanding of what’s covered will make the rest of the process smoother.
Step 3: Schedule a Professional Roof Inspection
Even if the damage seems minor, hidden issues can cause long-term problems.
A professional inspection identifies everything from loosened flashing to compromised underlayment. A qualified roofing professional can provide a detailed assessment with photos and repair recommendations, giving you a clear picture of the damage and strengthening your insurance claim with solid documentation.
Step 4: File Your Claim Promptly
Insurance companies typically require claims to be filed within a certain timeframe after a storm.
Submit your documentation and inspection report as soon as possible. When the insurance adjuster visits, it can help to have your roofing contractor present, as they can point out damage that might otherwise be overlooked and advocate on your behalf.
Step 5: Choose a Trusted Roofing Contractor
Unfortunately, storm damage often brings out “storm chasers,” contractors who appear after bad weather and offer quick, cheap fixes. Be cautious. Always work with a licensed, insured, and local professional who has solid references and a proven reputation.
The right contractor will walk you through each step, answer your questions honestly, and make sure the repairs are done properly.
Step 6: Repair or Replace: What’s Best for You?
After your claim is approved, your roofing contractor will guide you through repair or replacement options.
Sometimes minor shingle repairs will do the trick, while other times a full replacement is more cost-effective long-term. Either way, your contractor should help you choose materials that are durable, energy-efficient, and suited to your home’s architecture.
Recover Stronger Than Before
Dealing with storm damage is stressful, but it doesn’t have to be chaotic. With the right preparation and a reliable roofing team, you can handle your insurance claim appropriately and get your home back in top shape, maybe even better than before.
The Len Roofing & Remodeling Difference
When we say that we’re a top-quality home remodeling and roofing company that serves the North Shore and surrounding Chicagoland area, we back it up. We do more than simply cover the basics: we show up on time and nail it.
For more information or to schedule a consultation, call 847-768-6000 or visit our contact page.
