Roof Storm Damage & Insurance Claim Guide

This free guide is provided by Sundance Exteriors, your local Roofing team serving Rochester and the surrounding area. Below is everything you need to know — and if you'd rather just talk to a person, call us at (833) 642-0267 for a free, no-obligation assessment.

After a major storm, the difference between a covered roof replacement and an out-of-pocket bill often comes down to how quickly and carefully you act. This guide walks you through spotting damage, documenting it, and working with your insurer.

Signs your roof took storm or hail damage

• Dented, cracked, or missing shingles, and granules collecting in gutters or downspouts.
• Dark "bruises" or soft spots on shingles where hail struck.
• Bent or detached flashing around chimneys, vents, and valleys.
• Interior signs: water stains on ceilings, peeling paint, or a damp attic.

What to do in the first 72 hours

1. Document everything. Photograph damage from the ground and note the date and time of the storm.
2. Prevent further damage. Tarp active leaks — insurers expect "reasonable steps" and may deny avoidable damage.
3. Get a professional inspection. A licensed roofer can identify damage that isn't visible from the ground and provide a written assessment.
4. File promptly. Most policies have deadlines for storm claims; don't wait for the damage to worsen.

How roof insurance claims usually work

Most homeowner policies cover sudden, accidental damage from wind and hail, minus your deductible. They typically do not cover wear-and-tear, neglect, or pre-existing damage — which is why prompt documentation matters. An adjuster will inspect and issue an estimate; you have the right to a second professional opinion if it seems low.

Avoid storm-chaser scams

After big storms, out-of-town crews appear offering "free roofs." Insist on a local, licensed, insured contractor with a verifiable address and references. Never pay in full up front, and be wary of anyone who pressures you to sign before your insurer has inspected.

When to call a professional

If you suspect any storm damage, a no-obligation inspection is the safest move — small breaches let water in long before you see a ceiling stain. A local pro can document the damage in the format insurers expect and handle the repair correctly.

Talk to a local Roofing pro

Every home is different. For honest advice or a free quote in Rochester, reach out to Sundance Exteriors at (833) 642-0267 — we're glad to help.