Storm damage? We’ll guide your claim.
Check the damage you can see and answer two quick questions. We’ll build a personalized, plain-English checklist for documenting it and filing your insurance claim — step by step. We can’t promise what your insurer will approve, but we’ll help you tell the full, accurate story and back it with a free roof inspection.
This tool offers guidance and documentation help — it can't approve a claim or promise a payout. Coverage is always up to your insurance policy and adjuster.
The claim journey
Every step from storm to restored roof
The tool tailors this to what you’re seeing — here’s the full path, in plain language. We help with the documentation and inspection; your insurer decides coverage.
- 1
Document the damage with photos & dates
Take clear, dated photos of every damaged area from the ground (and from inside for any leaks). Note the date of the storm. Good documentation is the backbone of a well-supported claim.
- 2
Prevent further damage
Insurers expect you to stop the problem from getting worse — for example, an emergency tarp over an open or leaking area. Keep receipts for any temporary repairs; they're often reimbursable.
- 3
Find your policy & deductible
Locate your homeowner's policy and note your deductible and how it handles wind/hail. This tells you what to expect before you call — not whether a claim will be approved, which is up to your insurer.
- 4
Get a professional roof inspection & report
Have a qualified roofer inspect the roof and produce a written report with photos. A clear, professional assessment of the storm damage helps you and the adjuster see the full, accurate picture.
- 5
File your claim
Contact your insurer to open the claim, sharing your photos, the storm date, and the inspection report. Write down your claim number and every adjuster contact.
- 6
Meet the adjuster with your roofer
When the insurance adjuster inspects, have your roofer there too. Walking the roof together helps make sure no storm damage is overlooked and that the scope reflects what's actually on your roof.
- 7
Complete the approved work
Once the claim is settled, have the approved repairs or replacement done properly by a licensed, insured roofer — restoring your roof and protecting your home for the long term.
Honest answers
Storm claim FAQs
Will my storm damage be covered by insurance?
That depends entirely on your homeowner's policy and your insurer's adjuster — we can't promise a payout or guarantee a claim will be approved. What we can do is help you clearly document the storm damage, provide a free professional roof inspection with a written report, and stand with you through the process so your claim tells the full, accurate story.
What should I do first after storm damage?
If water is getting in, the first priority is preventing further damage — for example, an emergency tarp over the affected area (keep receipts; they're often reimbursable). Then document everything with clear, dated photos. After that, find your policy and deductible, and get a professional roof inspection before you file your claim.
Do I need a roof inspection before filing a claim?
It's one of the most helpful things you can do. A qualified roofer can produce a written report with photos that clearly shows the storm damage. That professional assessment helps you and the insurance adjuster see the full, accurate picture. Tall Pines provides roof inspections at no charge.
Should my roofer be there when the adjuster comes?
Yes — we recommend it. Walking the roof together helps make sure no storm damage is overlooked and that the scope of the claim reflects what's actually on your roof. We're glad to meet your adjuster with you.
Does Tall Pines handle emergency tarping?
Yes. If your roof is open or leaking after a storm, call us and we'll help with fast emergency tarping to protect your home while you document the damage and start your claim.
Storm damage on your roof? Let’s document it together.
Get a free roof inspection and honest, hands-on help with your insurance claim from a local, certified Rochester roofing team. No payout promises — just real guidance and a roof that’s made right.