What to Do After a Storm: A Homeowner’s Guide to Roof Damage and Insurance Claims

Fall and winter storms in the Willamette Valley can bring high winds, heavy rain, and falling debris that damage roofs in ways that aren’t always obvious right away. If your home has taken a hit from a recent storm, here’s how to approach the situation.

Start with a safe visual check. Never climb onto your roof after a storm. Instead, walk the perimeter of your home and look for obvious signs of damage: missing or displaced shingles, dented gutters, damaged flashing, or debris like fallen branches. Check your attic for any new signs of light coming through the roof deck or fresh water stains.

Document everything. Take photos and videos of any visible damage, both on the roof from ground level and inside your attic or ceilings. This documentation will be valuable if you decide to file an insurance claim, and it’s much easier to gather this evidence right after the storm than weeks later.

Get a professional inspection before filing a claim. Storm damage isn’t always visible to an untrained eye. A roofing contractor can identify issues like loosened shingles or compromised flashing that might not leak right away but will cause problems down the line. Having a written inspection report also strengthens your insurance claim.

Understand your policy before you call your insurer. Most homeowners’ policies cover sudden storm damage, but coverage details vary. Knowing your deductible and what documentation your insurer requires ahead of time can make the claims process smoother.

Work with a contractor who can help you through the process. We’ve helped many homeowners in the area navigate storm damage claims, from documenting the damage to working directly with insurance adjusters. If your roof has been affected by a recent storm, Fivecoat Roofing is happy to provide a free inspection and help you understand your options.