Storm Damage? Here's What to Do First

Connecticut storms can damage roofs in minutes. What you do in the first 24 hours matters. Quick action protects your home and strengthens your insurance claim.

Step 1: Safety First

Don't go on your roof during or right after a storm. Wait until conditions are safe. If you see major damage like a collapsed section or downed power lines, evacuate and call emergency services. Your safety beats everything else.

Step 2: Document Everything

Take photos and videos of all damage from multiple angles. Include close-ups and wide shots. Photograph the whole property, not just obvious damage. Insurance adjusters need thorough documentation.

Write down when the storm hit and what you noticed. Save weather reports. This timeline helps your claim.

Step 3: Prevent Further Damage

Cover holes with tarps. Move valuables away from leaks. Your insurance policy requires you to prevent additional damage. Keep receipts for any emergency materials you buy – insurance typically reimburses these costs.

Step 4: Call Your Insurance Company

Report the claim right away. Don't wait. Give them your documentation and ask when an adjuster will inspect. Get a claim number and the adjuster's contact info. Follow up if you don't hear back within a few days.

Step 5: Get a Professional Inspection

Hire a licensed roofer to inspect the damage. They'll find issues you might miss. A detailed inspection report strengthens your insurance claim. Many contractors offer free inspections after storms.

Don't sign anything with a contractor until you understand the full scope of work and cost. Get multiple estimates if the damage is extensive.

What Not to Do

Don't let anyone pressure you into immediate repairs before the adjuster sees the damage. Don't sign over your insurance claim to a contractor. Don't accept a settlement without understanding what's covered.

Avoid storm chasers who knock on your door offering quick fixes. Work with established local contractors who'll be around after the job is done.