After a storm, what you do in the first 48 hours decides whether your insurance pays for a repair, a full roof — or nothing. Walk your property (from the ground — not the roof), check off everything you see below, and get a clear next step. Document before you touch anything.
Storm damage self-assessment
Check everything that applies after your most recent storm:
The 48-hour playbook (in order)
1. Safety first. Stay off the roof. Downed lines, wet surfaces and hidden damage make post-storm roofs genuinely dangerous; everything in this checklist can be checked from the ground, a ladder at the eave, or the attic.
2. Document everything. Photograph every slope from the ground, close-ups of any damage with a coin or tape measure in frame for scale, and the collateral evidence insurers love: dented gutters, vents, window screens and AC fins. Screenshot the storm report (date, hail size) for your ZIP from the National Weather Service.
3. Stop active water. You’re allowed — required, actually — to prevent further damage: tarp a leaking area or call a roofer for an emergency dry-in. Keep every receipt; mitigation costs are usually reimbursable. Don’t make permanent repairs before the adjuster visit.
4. Mind the deadline. Most policies give you about a year from the storm date to file (some are shorter). Check your policy, not your neighbor’s. Then read our guide on how roof insurance claims actually work before you call.
Not sure if the damage is storm or just age? Take the repair or replace quiz. Curious what replacement costs if the claim succeeds? Try the roof cost calculator.
Frequently asked questions
What size hail actually damages a roof?
As a working rule, hail around 1 inch (quarter-size) can damage older or thinner shingles; 1.25–1.75 inch hail damages most asphalt roofs. What matters is what the adjuster can document as functional damage — which is why collateral dents on soft metals matter: they corroborate the storm’s force.
Should I get a roofer’s inspection before or after calling insurance?
Before — as long as it’s a reputable local company offering free inspections. They’ll tell you honestly if there’s claim-worthy damage. Never sign an “Assignment of Benefits” or a contract that locks you to a contractor before the claim is approved.
My neighbor got a new roof from the same storm. Does that guarantee mine?
No, but it’s a strong signal. Damage varies by slope direction, roof age and material. It does justify getting your own free inspection while the claim window is open.