Storm Damage Roof Restoration: What Insurance Covers and How to File a Claim

When the sky turns dark and the wind howls, your roof stands between your family or business and the storm. But even the toughest roofs can take a beating. If you’ve just weathered a storm, you might be staring at missing shingles, leaks, or worse—and wondering, “What now?”

At Paul & Son Roofing, we know how overwhelming storm damage can feel. Our emergency roofing team helps families and businesses get back on track every day. This guide will walk you through what insurance covers, how to document your roof’s damage, and how to file a claim step by step. You’ll also get tips from real insurance adjusters and restoration crews, so you can avoid common pitfalls and restore your roof with confidence.

Types of Storm Damage

Storms don’t play favorites. Whether you own a home or commercial building, the damage can hit fast and hard. Here’s what to look for after a storm blows through:

• Wind Damage: Shingles scattered like playing cards. Metal flashing peeled up. Gutters bent or torn loose.
• Hail Impact: Dents in metal roofs. Bruised or cracked shingles. Softball-sized hail can punch holes right through.
• Falling Debris: Branches, limbs, or even a neighbor’s patio chair—anything airborne can smash tiles, skylights, or decking.
• Water Intrusion: Leaks that bubble up on ceilings or run down walls. Damp insulation in the attic. Mold follows close behind.

A roof is more than shingles—it’s a system. Damage to sealants and coatings, roof flashing, or chimney caps can let water in for weeks before you notice. Early action is key.

What Insurance Covers 📝

Most homeowners’ and commercial property policies cover sudden, accidental damage caused by storms. But not every type of damage is treated the same. Here’s what most policies include:

• Covered: Wind, hail, lightning, and falling objects that cause immediate harm to your roof structure or interior.
• Sometimes covered: Water leaks—if they’re the direct result of storm damage, not long-term neglect. (Read your policy fine print.)
• Not covered: Wear and tear, old age, or gradual deterioration. Maintenance issues like clogged gutters, broken downspouts, or failed roof flashing aren’t usually covered unless the storm made them worse.

Pro tip: Keep a copy of your policy handy. If you’re not sure what’s covered, call your insurance agent. The National Association of Insurance Commissioners (NAIC) recommends reviewing your policy yearly.

Real Claim Example

After a spring hailstorm, one homeowner’s shingle roof was pocked with bruises. The insurance adjuster agreed the hail caused the damage and approved a full replacement. But another claim—where a leak was traced to years-old cracked caulking—was denied. The difference? One was sudden and accidental; the other, slow and preventable.

Documentation Tips: Building Your Case

Think of your claim like building a puzzle. Every photo, receipt, and note is a piece. Here’s how to document damage for the best results:

• Photograph everything. Wide shots of the roof, close-ups of damaged spots, and interior water stains. Use your phone’s timestamp.
• Make a list. Note the location, type, and size of each issue—missing shingles, cracked tiles, bent gutters, etc.
• Save receipts. Temporary repairs, emergency roofing tarps, or professional inspections can be reimbursed.
• Sample Claim Form

• Keep communication in writing. Email your insurer with details and save every reply.

Insurance adjuster tip: “Be specific. ‘Ten missing shingles on south slope, 3 feet from gutter’ is better than ‘roof damage.’”

Filing the Claim: Step by Step

Filing a storm damage claim doesn’t have to feel like climbing a mountain in a thunderstorm. Here’s a simple roadmap:

1. Contact your insurer ASAP. Most policies require prompt notice—don’t wait.
2. Provide documentation. Submit your photos, list, and any inspection reports.
3. Schedule an adjuster visit. They’ll inspect the roof, sometimes with your roofer present.
4. Review the settlement offer. Ask questions if something isn’t clear.
5. Choose your restoration partner. You’re not required to use your insurer’s “preferred” contractor.

Homeowner’s right: You can request a second opinion if you disagree with the adjuster’s findings. State insurance departments (like the Texas Department of Insurance or California Department of Insurance) uphold your right to appeal.

Choosing a Restoration Partner 🏠

Restoring a storm-damaged roof is a big job. Don’t settle for someone who knocks on your door right after a storm. Here’s what to look for in a reputable emergency roofing partner:

• Licensed and insured. Ask for proof.
• Experience with your roof type. Tile, shingle, metal, flat, or commercial.
• Clear, transparent estimates. No vague promises.
• References available. Real customers, real repairs.

At Paul & Son Roofing, we handle everything from skylight repair to full roof replacement, including emergency services and eco-friendly options. We work with you and your insurer every step of the way.

Quick Safety Checklist

Before you climb up to inspect the damage, take a breath. Safety is the first priority.

• Check for downed power lines or exposed wiring—call the utility if you see any.
• Avoid walking on wet, unstable, or damaged roofs.
• Use binoculars from the ground for a first look.
• If water is entering your home, turn off affected circuits at the breaker box.
• Wear sturdy shoes, gloves, and a hard hat if you must enter the attic.

If you’re ever in doubt, call a professional. Your safety is worth more than a quick inspection.

DIY vs. Call a Pro

Some minor storm repairs—like clearing gutters or reattaching a loose downspout—are safe for handy homeowners. But for anything involving heights, structural repair, or electrical hazards, don’t risk it.

• DIY: Gutter cleaning, leaf removal, temporary tarping (if safe), photographing damage
• Call a Pro: Leak repair, roof decking, skylight installation or repair, tile or shingle replacement, structural repairs, storm damage restoration

Remember: Emergency roofing pros have the right equipment and know how to spot hidden issues.

What Pros Do On Arrival

When our crew arrives, here’s what happens:

1. Assessment: We check all visible and hidden damage, from sealants and coatings to attic insulation.
2. Temporary protection: Emergency tarps or board-ups keep water out until repairs start.
3. Documentation: Photos, notes, and repair estimates for your insurance file.
4. Safety first: We follow OSHA safety guidelines and building codes.
5. Clear communication: You get a plain-language explanation of next steps.

Prevention & Maintenance

Storms will come again. Here’s how to make your roof tougher:

• Clean gutters and downspouts regularly.
• Trim overhanging branches before storm season.
• Have annual roof inspections, especially for older homes or commercial buildings.
• Upgrade ventilation and insulation to prevent ice dams and leaks.
• Use top-quality sealants and coatings near you for weatherproofing.

The Insurance Institute for Business & Home Safety (IBHS) recommends these steps for reducing future claims.

Costs & Time Factors

Every roof, every storm, and every insurance policy is different. Here’s what affects cost and timing:

• Extent of damage: A few missing shingles vs. full roof replacement.
• Roof type: Metal takes longer to source than standard shingles.
• Insurance process: Adjuster schedules, claim reviews, and approvals can add days or weeks.
• Weather: More storms in the forecast? Repairs may wait until it’s safe.

For a simple repair, you might be done in days. Bigger jobs, especially for commercial roofing or structural repairs, can take weeks. Emergency roofing teams prioritize safety and speed, but quality always comes first.

When It’s an Emergency 🚨

Sometimes, waiting isn’t an option. Call for emergency roofing if:

• Water is pouring in, not just dripping.
• The roof structure is sagging or collapsing.
• Electrical systems are exposed to water.
• You suspect carbon monoxide or mold risks.

Your insurer may cover temporary repairs—save those receipts.

FAQ

How long do I have to file a claim after a storm?
Most policies require notice within days, but check your policy. The sooner, the better.

Can I choose my own roofer or do I have to use the insurance company’s?
You always have the right to select your own licensed contractor.

Will filing a claim raise my insurance rates?
It depends on your insurer, claim history, and local laws. Many single-event storm claims won’t, but check with your agent.

What if my claim is denied?
You can appeal through your state’s insurance department or request a second adjuster’s review.

Local & Seasonal Considerations

Storm seasons—and the risks they bring—vary by region. In hurricane zones, wind-driven rain is the main culprit. Hail belts see more roof punctures. In northern states, ice dams and heavy snow test even the sturdiest roofs.

No matter where you live, having a relationship with a trusted emergency roofing team and knowledge of “Sealants and Coatings near you” can make all the difference when storms strike.

Your roof is more than shelter. It’s peace of mind. When storms hit, Paul & Son Roofing is here to help, from the first inspection to the final shingle.

Call Paul & Son Roofing now — or reach us anytime at  877-766-7587 .