A storm just came through and your roof is damaged. What you do in the next 48 hours matters for your home, your insurance claim, and avoiding contractors who will take advantage of the situation.
Step 1: Stop Water Entry Immediately
If there's active water coming in, the priority is stopping it. Call a roofing contractor who offers emergency response. We cover all 5 boroughs and New Jersey 24/7. A proper contractor will install a temporary tarp over the damaged area to stop water intrusion while the permanent repair is assessed and scheduled.
Do not let a contractor pressure you into signing anything in this moment. Emergency tarp installation is a separate action from a repair contract.
Step 2: Document Everything Before It's Touched
Before any repair work starts, document the damage thoroughly with your phone: photos of the damaged area, photos of any interior damage (ceilings, walls), and photos of the tarp installation. Timestamped photos from your phone create a record that insurance adjusters rely on.
A reputable contractor will also provide their own damage documentation: photos and a written report. This is standard. If a contractor offers to "help you get a new roof through insurance" without a proper damage assessment, that's a red flag for insurance fraud schemes that have hit NYC hard in recent years.
Step 3: Call Your Insurance Company
Report the claim promptly. Most homeowner's policies require timely notification. Give them your documentation. An adjuster will be assigned to assess the damage.
What Insurance Actually Covers
Storm damage from wind, hail, and falling debris is typically covered. This includes:
- Wind-lifted or blown-off shingles
- Hail impact damage
- Damage from fallen tree limbs
Not covered:
- Normal wear and deterioration
- Damage from deferred maintenance
- Pre-existing conditions
Your deductible applies. If your deductible is $3,000 and the repair is $2,200, you're paying out of pocket. That's the right outcome. Contractors who "waive your deductible" are engaged in insurance fraud. Don't work with them.
How We Handle Insurance Claims
We document damage thoroughly. We provide written reports with photos. We communicate directly with adjusters when helpful. We do not inflate damage, claim pre-existing conditions as storm damage, or participate in any scheme that misrepresents the claim.
Our job is to get your roof properly repaired and your legitimate claim properly documented. That's it.
