Identifying Storm Damage to Your Roof and What to Do Next

Written on the 21 March 2025

When a storm hits, your roof stands as the first line of defence against nature’s elements—whether it’s rain, hail, wind, or snow. However, even the sturdiest roofs can sustain damage during severe weather. Knowing how to identify signs of roof damage and taking prompt action is crucial for both homeowners and property managers. This guide will walk you through the key steps to assess storm damage, act swiftly, and ensure your roof is restored properly and efficiently.

Signs of Storm Damage

Storm damage to a roof can manifest in various ways, and spotting the signs early on can save you from more extensive (and expensive) problems down the line:

• Leaks or Water Spots - Check for water stains on your ceiling or walls, as these may indicate leaks stemming from roof damage. Pay special attention to your attic, where water stains may be easier to spot.
• Missing or Damaged tiles - High winds can rip tiles off your roof or leave them cracked and curled. Check for missing tiles or pieces of tiles on your lawn.
• Dents and Dings - Hail or falling debris can leave visible dents in shingles, metal flashing, and gutters. These small dents might seem harmless but could weaken the roof's ability to prevent water infiltration.
• Clogged or Damaged Gutters - Storms often leave behind debris that clogs gutters and downspouts. Detached or sagging gutters may also indicate structural stress caused by the storm.
• Exposed Roofing Layers - If parts of your roof underlayment or decking are visible, the storm may have caused significant damage, and professional evaluation is necessary.

The earlier you identify these issues, the quicker you can act to minimise further damage.

How to Conduct a Preliminary Assessment

After the storm has passed and it’s safe to do so, it’s time for a quick roof assessment:

1. Inspect Your Property from the Ground - Use binoculars to examine your roof from a safe distance. Look for visible damage to tiles, aluminium, flashing, and chimneys.
2. Check Your Attic - Go into your attic and check for leaks, water stains, or damp insulation.
3. Capture Evidence - If you notice any damage, take clear photos as proof. These will be useful for insurance claims and when working with contractors.
4. Avoid Climbing on the Roof - Leave detailed inspections to professionals. Walking on a damaged roof can exacerbate the problem or result in injuries.

Immediate Actions to Mitigate Further Damage

Once damage is confirmed, acting quickly can prevent further problems:

• Protect the Interior - Use tarps or buckets to catch dripping water and shield furniture, flooring, and valuables from further damage.
• Tarp the Roof - Temporary tarping over damaged sections can protect against additional leaks until repairs are made. If unsure, consult a professional to install tarps safely.
• Document Everything - Take photos or videos of all visible damage, both inside and outside the property. This evidence will be crucial when filing an insurance claim.

Navigating the Insurance Claim Process

Filing an insurance claim may feel daunting, but following these steps can simplify the process:

1. Review Your Policy - Understand what your homeowner’s insurance covers, including deductibles and limitations on storm damage.
2. Contact Your Insurance Provider - Notify your insurance company as soon as possible to initiate a claim. Be prepared to provide documentation and a preliminary description of the damage.
3. Schedule an Inspection with the Adjuster - The insurance company will send an adjuster to assess the damage. Share your photos, videos, and an inventory of damaged areas.
4. Consult a Contractor - Get an independent estimate from a reputable roofing contractor to compare with the insurance adjuster’s evaluation.
5. Follow Up Regularly - Stay proactive in communicating with your insurance company throughout the claims process to ensure smooth handling.

Choosing a Reputable Roofing Contractor

Finding the right contractor is critical for high-quality repairs or replacements. Here are some tips:

• Look for Proven Experience - Choose a licensed contractor with a strong track record of handling storm damage repair.
• Check Reviews and References - Read reviews online and ask for references to verify the contractor’s reliability.
• Verify Insurance - Ensure the contractor carries liability and workers’ compensation insurance to protect you from potential liabilities.
• Avoid Storm Chasers - Be cautious of contractors who appear immediately after storms and push for quick agreements. These are often less trustworthy companies looking for fast profits.
• Get a Written Estimate - Request a detailed, transparent estimate that outlines the scope of work and costs involved.

Preventative Measures for Future Storms

While storms are unpredictable, you can take steps to protect your roof and property against the next weather event:

• Schedule Routine Inspections - Have your roof professionally inspected at least once a year and after major storms.
• Keep Gutters Clean - Ensure your gutters are clear of debris so that water can flow freely and prevent pooling on your roof.
• Trim Overhanging Branches - Remove tree limbs that could fall and damage your roof during high winds.
• Invest in Durable Materials - Upgrade your roof with high-quality, impact-resistant materials that can better withstand severe weather.

Storm damage to your roof can be stressful, costly, and overwhelming—but taking swift action can make all the difference. Start by identifying damage, protecting your interior, and navigating the insurance claim process. Then, work with a trustworthy contractor like MRA Roofing & Construction to ensure a seamless repair or replacement process.

At MRA Roofing & Construction, we specialise in helping homeowners and property managers restore their roofs after storms. Need assistance? Contact us for a free roof inspection and estimate today. Our dedicated experts are here to guide you through every step of the process and ensure your peace of mind.