A bad storm off Lake Erie can strip shingles, dent flashing, and open up leaks in a matter of minutes. What you do in the days after matters almost as much as the damage itself — it can be the difference between a smooth insurance claim and a denied one. Here’s how to handle storm damage the right way.
Right After the Storm: Stay Safe First
Never get on a roof to inspect storm damage yourself, especially if it’s still wet or you can see structural sagging. From the ground, photograph anything visible — missing shingles, damaged gutters, debris in the yard, or dents on siding and vents. If a tarp is needed to stop active leaking, a licensed contractor can do this safely and document it for your claim.
Get a Professional Inspection Before You Call Your Insurer
Wind and hail damage isn’t always visible from the ground. A roofing contractor can identify bruised shingles, lifted seals, and hidden leaks that an untrained eye — or a rushed adjuster — might miss. Having a written inspection report and photos in hand before you file strengthens your claim and gives the adjuster less room to underestimate the damage.
Filing Your Claim
- Contact your insurance company as soon as possible — most policies have a filing window after a storm event
- Keep copies of every photo, report, and piece of correspondence with your insurer
- Have your contractor meet the adjuster on-site if possible, so nothing gets missed during the inspection
- Read the scope of the settlement carefully before signing — ask questions if repair items seem to be missing
Common Reasons Claims Get Denied or Underpaid
Waiting too long to report damage, making repairs before documenting the loss, and accepting the first estimate without a second opinion are the most common ways Cleveland homeowners end up underpaid. Storm damage can also worsen quickly once your roof’s protective layer is compromised, so timing matters on both the insurance side and the repair side.
We’ll Help You Through the Whole Process
ARC Roofing & Home Improvements has helped Northeast Ohio homeowners document and repair storm damage for over 40 years, and we’re glad to meet your adjuster on-site if needed. Request a free storm damage inspection or call (440) 212-2083 right after a storm.