By Patriot Home Service. Published: . Updated: . Published by Patriot Home Service.
Make a useful storm record from safe locations without assuming every mark is damage or every repair is covered by insurance.
Make a useful storm record from safe locations without assuming every mark is damage or every repair is covered by insurance.
Wait until severe weather has passed and follow local emergency instructions. Downed lines, unstable trees, hanging branches and damaged structures can make even a yard unsafe. If the home shows structural movement, do not enter just to inspect the roof. Photographing damage is useful, but personal safety and emergency directions take priority over a complete record.
From a safe ground location, note missing shingles, displaced metal, detached gutters, debris and new interior water staining. Photograph wide views to establish location, then closer views where safely possible. Record the date and what changed from earlier conditions. A mark seen from the ground is not enough to determine hail damage, a repair method or the full extent of hidden damage.
A construction evaluation explains physical conditions and possible repairs; an insurer applies the policy. Wear, prior damage, exclusions and deductibles can affect the decision. Preserve invoices, communication and instructions, and ask the insurer about its reporting and documentation requirements. Temporary protection may be appropriate, but climbing onto a damaged roof or installing a tarp without training can create another emergency.
Stay away from downed lines and unstable trees. Do not walk on a damaged roof. Contact emergency services or the appropriate utility for immediate hazards; insurance coverage cannot be inferred from storm timing alone.
These references provide supporting guidance and further reading. Follow current local requirements and the instructions for your exact products; some publications address particular materials, products or code editions.