Storm Damage Assessment Checklist
A practical checklist for assessing roof storm damage — what to look for, how to document for insurance, and when to call a professional.
After the Storm: What to Do First
Safety comes first. Never climb onto a roof during or immediately after a storm. Wait for conditions to stabilize, then begin your assessment from the ground using binoculars.
Ground-Level Assessment Checklist
Start by walking the perimeter of your home and documenting anything unusual:
Documentation Best Practices
Insurance claims succeed or fail based on documentation quality. For every type of damage you observe:
1. Take wide-angle photos showing the overall area
2. Take close-up photos of specific damage
3. Include a reference object (coin, ruler) for scale in hail damage photos
4. Note the date, time, and weather conditions
5. Save weather reports from your local National Weather Service office
When to Call a Professional
Contact a licensed roofing contractor for a professional inspection if you observe any of the following: missing shingles, exposed roof deck, active leaks, structural sagging, or damage to more than 25% of the visible roof surface.
Many reputable contractors offer free storm damage inspections. Be cautious of storm chasers — unlicensed contractors who follow severe weather events and pressure homeowners into signing contracts. Always verify licensing and insurance before authorizing any work.
Emergency Repairs
If you have an active leak, temporary measures include placing a tarp over the damaged area (secured with 2x4s, not nails through the roof) or using roofing cement to seal small penetrations. These are temporary — professional repair should follow within days.