How Do I Inspect My Roof for Storm Damage?

Your first step is a thorough visual check from the ground. Walk around your home with binoculars, looking at the roof line and surface. Search for obvious issues like shingles that are cracked, curled, or completely missing. Also look for dark spots or areas that appear dented, which can indicate hail impact.

Pay close attention to your gutters and the ground near your foundation. After a storm, gutters often contain a buildup of asphalt shingle granules, which look like coarse black sand. Finding a significant amount suggests your roof's protective coating is wearing away. Debris like broken branches on the lawn can also signal where a larger impact may have occurred overhead.

An interior inspection is crucial for spotting leaks that aren't yet visible outside. Go into your attic with a strong flashlight, preferably on a sunny day. Look for streaks of light coming through the roof decking, which indicate holes. Also check for dark water stains, damp insulation, or a musty odor, all signs of moisture intrusion.

Inside your living areas, examine ceilings and walls, especially in top-floor rooms. Water stains often appear as yellowish or brownish rings or patches. Feel for soft, spongy spots on drywall or notice any peeling paint or bubbling wallpaper. These interior clues can help you trace water back to its entry point on the roof.

If you find damage, take clear, dated photographs from multiple angles. Capture wide shots of the affected roof area and close-ups of specific issues like dented shingles or damaged flashing. Also photograph any interior water stains and damaged personal property. This visual evidence is critical when you communicate with your insurance company about a potential claim.

Keep all receipts for any temporary repairs you make, such as buying a tarp to cover a leak. Provide your photos and documentation to your insurance adjuster when they inspect. Policies vary, and your insurer decides what is covered. A thorough claim file supports your case for covering necessary roof repairs and related water mitigation.