When a major storm hits roof damage is often not immediately obvious. Between insurance paperwork, temporary leaks, and urgent repair decisions, many homeowners feel overwhelmed and unsure of what to do first.
As a roofing company in London, Ontario, we have helped hundreds of homeowners navigate roof insurance claims after storms. This step by step guide explains how to handle storm related roof damage properly, protect your home, and avoid costly mistakes.
What Should You Do After a Storm Damages Your Roof?
The key is to act quickly, safely, and with the right documentation. Following a clear process helps protect your claim and prevents small issues from becoming major repairs.
1. Stay Safe and Document the Damage
Before focusing on repairs, make sure your property is safe.
Check for:
- Downed power lines near your home
- Loose shingles or roofing debris
- Signs of water intrusion such as ceiling stains or attic leaks
From the ground, take clear photos or videos of visible damage. Avoid climbing on your roof, as storm damaged roofing can be unstable and dangerous. A professional inspection is always safer and more reliable.
2. Contact Your Insurance Company Right Away
Notify your insurance provider as soon as possible to start your claim. They may request photos, dates of the storm, or a professional inspection report.
Important questions to ask your insurer include:
- What is my deductible?
- What types of roof damage are covered?
- Am I required to use a specific roofing contractor in London, Ontario?
Understanding these details early helps you avoid delays and unexpected costs later.
3. Schedule a Professional Roof Inspection
Before repairs begin, it is critical to have a trusted local roofing contractor inspect your roof. A professional inspection provides accurate documentation and ensures nothing is overlooked.
At Courtney Roofing Inc., our RoofCheck® inspection service includes:
- A detailed 10 point visual inspection
- Clear photographic documentation
- Notes identifying urgent issues and long term concerns
This inspection report can be submitted directly to your insurance adjuster and helps prevent future problems caused by hidden damage.
4. Watch Out for Storm Chasers
After severe weather, out of town roofing contractors often go door to door offering fast repairs. These are commonly known as storm chasers, and working with them can create serious risks.
Warning signs include:
- No local address or phone number
- High pressure sales tactics
- Requests for large deposits upfront
- No written contract or warranty
Choosing a local, established roofing company protects you from poor workmanship and insurance complications.
5. Do Not Delay Approved Repairs
Once your insurance claim is approved, repairs should be scheduled promptly. Even minor issues such as lifted shingles or damaged flashing can allow water into your home, leading to mold, rot, and interior damage.
Courtney Roofing Inc. prioritizes storm related and emergency repairs and works with homeowners to meet timelines and budgets while keeping homes protected.
Common Questions Homeowners Ask About Storm Damage Insurance Claims
Many homeowners want quick answers after a storm.
Should I call a roofer or insurance first?
Document the damage first, then contact your insurance provider. A roofer inspection should follow to provide professional documentation.
Will insurance cover my roof replacement?
Coverage depends on your policy, deductible, and the cause of damage. Storm related damage is often covered, but inspections are essential.
Can I choose my own roofing contractor in London, Ontario?
In most cases yes, but always confirm with your insurance provider.
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Trusted Roofing Company in London, Ontario
Courtney Roofing Inc. has proudly served London and area for over 45 years, providing residential, commercial, and industrial roofing services. Whether you need a full roof replacement or an honest post storm inspection, our experienced team is here to help.