After wind, hail or falling debris, the safest first steps are to protect people, prevent additional damage when reasonably possible and document visible conditions. Insurance policies differ, so your policy and insurer—not a roofing contractor—control coverage.
This is general educational information, not legal, insurance or claims-adjusting advice. Report suspected damage promptly according to your policy. Avoid assuming that every mark is covered damage or that any contractor can guarantee payment.
Step 1: Put Safety First
- Stay away from fallen power lines and unstable trees.
- Do not climb onto a wet, steep or visibly damaged roof.
- Photograph visible conditions from the ground.
- If water is entering, move belongings and use containers only where it is safe.
- Arrange reasonable temporary protection with a qualified professional when needed.
Step 2: Review the Policy and Contact the Insurer
Locate the declarations page, deductible information and claim-reporting instructions. Give the insurer the date of loss, known conditions and reasonable documentation. Ask what emergency work is authorized, what records to keep and when an adjuster will inspect.
Step 3: Document Conditions
- Wide photographs showing each side of the property
- Closer ground-level images of displaced materials, gutters, siding or debris
- Interior water stains and attic conditions that can be accessed safely
- Receipts for emergency protection and cleanup
- A written timeline of the storm, discovery and communications
Step 4: Arrange a Professional Roof Inspection
A roofing contractor can inspect accessible components, photograph visible conditions and prepare a scope of recommended repairs. The contractor should distinguish storm-related observations from age, wear, installation defects and maintenance issues. The contractor does not decide insurance coverage.
Step 5: Compare the Adjuster Estimate With the Repair Scope
Insurance estimates and contractor estimates may organize work differently. Review quantities, material specifications, tear-off, flashing, ventilation, code-required work, waste and documented decking conditions. Ask the insurer how to submit additional documentation if something appears omitted.
Common Claim Terms
| Term | Plain-Language Meaning |
|---|---|
| Deductible | The policyholder’s share of a covered loss, subject to policy terms |
| Actual cash value (ACV) | A valuation that may account for depreciation |
| Replacement cost value (RCV) | The cost basis to replace covered property with similar materials, subject to policy terms |
| Recoverable depreciation | An amount that may be released after qualifying work and documentation, when the policy provides for it |
| Supplement | A request for the insurer to review documented additional scope or cost; approval is not guaranteed |
Avoid These Mistakes
- Waiting unnecessarily to notify the insurer
- Discarding damaged materials before the insurer’s instructions are understood
- Signing a contract that promises to “handle everything” without a clear scope
- Allowing a contractor to interpret coverage or negotiate a claim when not legally authorized
- Agreeing to conceal or waive the deductible
- Authorizing permanent work before responsibilities, price and approvals are understood
Frequently Asked Questions
Should I call a roofer or insurer first?
If there is an emergency, protect the property and notify the insurer promptly. For non-emergency suspected damage, homeowners often contact both promptly and follow the policy’s instructions.
Can a contractor meet the adjuster?
A contractor may be present to identify visible roofing conditions and explain the repair scope. The adjuster and insurer make coverage decisions.
What if additional damage is found during tear-off?
Stop, document the condition and follow the contract and insurer’s procedure before performing additional work when practical.
Need a roof inspection in Central Ohio? The Metal Roof Company serves Columbus and surrounding communities, including Franklin, Licking, Fairfield, Delaware, Madison and Perry counties. Call 614-721-7663 to discuss your property and current scheduling.
Document the Roof Before Decisions Are Made
Review our roof inspection service, read what to do after severe storm damage, or request an evaluation.