Storm Damage Center

Storm Damage? Know What to Do Next.

Identify warning signs, document damage, understand repair options, and find qualified local help.

Safety first — stay off the roof.

Do not climb onto a storm-damaged roof. Treat every downed line as live and call your utility. If you smell gas or see structural sagging, leave the house and call 911 before anything else.

Damage types: what to look for and what to do

Hail damage

Time-sensitive

Hail rarely announces itself. Most hail damage is cosmetic-looking at first and only shows up as leaks months later, which is why insurers set deadlines for filing.

Warning signs

  • Granules collecting at the bottom of downspouts
  • Round dents in gutters, gutter caps, or metal vents
  • Dented AC condenser fins or garage door panels
  • Dark, bruised spots on shingles visible in photos

Next steps

  • Photograph ground-level evidence the same day
  • Check your policy deadline for hail claims
  • Get a written inspection from a licensed local roofer
Read the 10-sign hail damage guide

Roof damage

Time-sensitive

Missing shingles, lifted edges, and displaced flashing let water into the deck long before you see a ceiling stain.

Warning signs

  • Shingles in the yard or against the fence
  • Lifted or curled shingle edges along ridges
  • Exposed nail heads or torn underlayment
  • Daylight visible through attic sheathing

Next steps

  • Tarp only if you can do it safely from the ground level
  • Document from the ground with a zoom lens or phone zoom
  • Schedule a professional roof inspection

Wind damage

Time-sensitive

Straight-line winds work on edges and seams. Damage usually starts at rakes, ridges, and anything already loose.

Warning signs

  • Ridge cap shingles displaced or missing
  • Fascia, soffit, or drip edge pulled loose
  • Fence sections leaning or blown flat
  • Detached gutter runs or bent downspouts

Next steps

  • Secure loose materials that could become projectiles
  • Photograph each elevation of the house
  • Note the storm date and wind speed from a public weather report

Water damage

Act now

Water is the damage multiplier. Mold can start within 24 to 48 hours, so drying beats waiting for an adjuster.

Warning signs

  • Ceiling stains, bubbling paint, or sagging drywall
  • Damp or musty smell in closets and the attic
  • Wet insulation or standing water in crawl spaces
  • Warped baseboards or lifting flooring seams

Next steps

  • Shut off power to affected areas at the breaker if water is near outlets
  • Photograph and video everything before removing anything
  • Start drying immediately — insurers expect you to mitigate

Fallen trees

Act now

A tree on the structure is a structural and electrical problem at the same time. Removal order matters.

Warning signs

  • Limbs resting on the roof, gutters, or service mast
  • Split trunks or exposed root plates leaning toward the house
  • Cracked sheathing or visible interior ceiling deflection
  • Downed lines tangled in branches

Next steps

  • Treat every downed line as live and call the utility first
  • Do not enter rooms below an impacted roof section
  • Hire an insured tree service — not a general handyman crew

Siding damage

Plan it out

Siding damage is often the easiest proof of a storm event because it sits at eye level, where you can safely document it.

Warning signs

  • Cracked, chipped, or punched vinyl panels
  • Dents on the storm-facing elevation only
  • Loose or rattling panels along the bottom course
  • Chalky streaks or holes in fiber cement boards

Next steps

  • Photograph each elevation with a reference object for scale
  • Check whether the damaged siding line is still manufactured
  • Ask for a full-elevation replacement quote, not a patch

Emergency repairs

Act now

Temporary repairs are covered by most policies as mitigation. Permanent repairs before an adjuster visit are not.

Warning signs

  • Active dripping into living space
  • Broken windows or an open wall cavity
  • Water within reach of electrical panels or outlets
  • Any opening in the building envelope before more rain

Next steps

  • Do the minimum needed to stop further damage — tarp, board, dry
  • Keep every receipt for materials and emergency labor
  • Photograph before, during, and after the temporary fix

Insurance claims

Time-sensitive

A claim is a documentation contest. The homeowner with dated photos and a written scope usually gets a fairer settlement.

Warning signs

  • You have a dated storm event in your area
  • Damage exceeds — or is near — your wind/hail deductible
  • Your policy has a claim filing deadline you can still meet
  • You have photos from before and after the storm

Next steps

  • File promptly and record your claim number and adjuster contact
  • Get an independent written repair scope with line-item pricing
  • Attend the adjuster inspection and bring your own documentation

Storm contractor scams

Plan it out

Storm chasers follow hail maps. They are gone before the workmanship warranty ever matters. Verification takes ten minutes and saves five figures.

Warning signs

  • Door-to-door pressure the day after a storm
  • Out-of-state plates and no permanent local address
  • Big deposit demanded before any material is ordered
  • Offers to "eat" or waive your deductible

Next steps

  • Verify the business address, license, and insurance independently
  • Never sign a contingency agreement you have not read fully
  • Get at least three written bids on the same scope

Storm contractor scams: red flags

Storm chasers follow hail maps across state lines. Most are gone long before a workmanship problem shows up. These are the warning signs worth walking away over.

High-pressure door-to-door sales

Legitimate local roofers have a backlog after a storm. A crew that needs your signature today is selling urgency, not roofing.

Large upfront payment demands

Materials are typically ordered on the contractor's account. A demand for half the job in cash before work starts is a common disappearing-act setup.

No verifiable local address

A P.O. box, a hotel, or a truck is not an address. If there is no local office, there is nobody to call when the roof leaks next spring.

Refusal to provide insurance certificates

Without general liability and workers' comp, an injury on your property can become your financial problem. Ask for the certificate directly from their insurer.

Vague or blank contract terms

Missing scope, materials, brand, color, start date, or price means anything can be renegotiated later — always upward.

Promising to "waive" your deductible

In many states, including Texas, absorbing a homeowner's insurance deductible is illegal and can constitute insurance fraud for both parties.

No written workmanship warranty

Manufacturer warranties cover the shingle, not the installation. Most storm-damage leaks come from workmanship.

No local references or recent addresses

A real local contractor can name streets in your area they worked on last month. Drive by one.

Asking you to sign an "inspection authorization"

These forms are often a contingency contract in disguise, locking you into the contractor whatever the insurer decides.

Contractor verification checklist

Ten minutes of verification before you sign. Work down the list in order.

  • Confirm the legal business name and match it to the name on the contract
  • Verify a physical local address on a map — then confirm it is not a mailbox store
  • Request the state license or registration number where your state requires one
  • Get certificates of general liability and workers' compensation directly from the insurer or agent
  • Confirm they will pull the required permit under their own license
  • Ask for three local references from the past 12 months, with addresses
  • Read the full contract, including the cancellation window, before signing anything
  • Confirm the workmanship warranty length in writing, separate from the material warranty
  • Confirm no payment is due until materials are delivered or a documented milestone is met
  • Never allow anyone to absorb, discount, or rebate your insurance deductible

Not sure how bad it is?

Run the free assessment to see whether your damage points to repair, replacement, or an insurance claim — then get competing quotes from vetted local contractors.