Storm Damage: How to Document It for Your Insurance Claim

Good documentation right after a storm can make or break your insurance claim. Here's how to do it right.

Don't climb onto the roof yourself

Roof inspection after a storm is genuinely dangerous, especially on wet or damaged surfaces — leave the up-close inspection to a professional.

Photograph what you can see safely

Ground-level photos of visible damage, debris, and any interior water intrusion are a useful starting point for your claim.

Get a professional inspection promptly

A licensed roofer can identify damage that isn't visible from the ground and provide documentation insurers take seriously.

Keep a timeline

Note the date of the storm and when you first noticed any damage — insurers often ask about timing to assess claim validity.

Be cautious of storm-chasing contractors

After major storms, be wary of unsolicited door-to-door offers; verify any contractor's license and local presence before signing anything.