1. Inspect the Damage Safely
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Look for:
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Missing or lifted shingles
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Bent flashing or exposed underlayment
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Tree branches or debris on the roof
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Leaks or water stains inside your home
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Use binoculars or a drone if you can’t safely get on the roof.
2. Prevent Immediate Water Damage
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If you have an active leak, use a tarp or temporary sealant (like roofing tape or caulk) to cover the area until a roofer can assess.
3. Document Everything
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Take clear photos/videos of:
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The damaged sections
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Debris around the property
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Inside water damage (if any)
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This is crucial for insurance claims.
4. Contact Your Insurance Company
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File a claim right away if the damage is substantial.
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Most homeowners’ policies cover windstorm damage, including roof repairs or replacement.
5. Call a Licensed Roofing Contractor
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Get at least 2–3 estimates.
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Look for contractors who:
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Are licensed and insured
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Offer storm damage restoration
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Have experience working with insurance adjusters
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🧱 Types of Roof Repairs You Might Need
| Damage Type | Repair Option |
|---|---|
| Missing shingles | Replace with matching shingles |
| Torn shingles | Patch or replace damaged area |
| Leaking at flashing | Reseal or replace flashing |
| Punctures or holes | Patch with underlayment + shingles |
| Widespread damage | Consider full roof replacement |
đź’˛ Cost Estimate (2025)
| Type of Repair | Estimated Cost |
|---|---|
| Minor repair (1–3 shingles) | $150–$400 |
| Flashing repair | $300–$800 |
| Moderate repairs | $800–$1,500 |
| Full replacement | $5,000–$15,000+ |
Costs vary based on materials (asphalt, metal, tile) and local labor rates.
🛑 Red Flags to Avoid
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Door-to-door “storm chasers” asking for money upfront
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Contractors who pressure you to sign before insurance inspection
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Not pulling permits (if required by your city)