The short answer
Document the Storm
Start by recording the exact date and time of the windstorm. Check local weather records or news reports to confirm wind speeds and any storm warnings issued for your area. Save screenshots or printouts of this information as evidence. If you have a home security camera or a neighbor's camera captured the storm, note that as well, but do not rely on it alone.
Take photos of any fallen branches, debris, or visible roof damage right after the storm. Capture close-ups and wide shots to show the extent of the damage. If you live in a neighborhood with similar homes, compare notes with neighbors to see if they experienced similar wind effects, but keep your own detailed file with dates and descriptions.
- Date and time of the storm
- Weather service wind speed reports
- Photos of debris and damage
- Any witness statements from neighbors
Inspect Your Roof Safely
You can do a ground-level inspection first. Look for missing or lifted shingles, exposed underlayment, or dents in gutters and vents. Use binoculars to get a closer look without climbing. Do not climb on a wet or steep roof; that is risky and could cause injury or further damage.
If you see signs of damage, call a roofing professional for a thorough assessment. They can check for hidden issues like loose flashing, nail pops, or weakened decking. Their written findings are key evidence for your claim, so ask for a detailed report that includes the likely cause and recommended repairs.
- Missing or cracked shingles
- Lifted or curled edges
- Debris impact marks
- Dented flashing or vents
Get a Professional Report
A roofer or water damage pro can provide a detailed inspection report. This document should describe the damage, the likely cause (wind), and the recommended repairs. Ask for photos and a written summary. This report is crucial for your insurance claim because it offers an independent assessment of the damage.
Keep copies of the report for your own records and share them with your insurer as requested. The more thorough the report, the better it supports your case. If you have any concerns about the inspection process, ask the professional questions before they leave.
Prevent Further Damage
After documenting, take steps to prevent water from entering your home. Cover holes with a tarp or board up broken areas. This protects your interior from rain and reduces the risk of mold. If you cannot do this safely, ask a professional for help, but do not delay, as further water intrusion can worsen the situation.
If water has already leaked in, address it quickly. Water damage can worsen over time, leading to structural issues or mold growth. Set up fans to dry surfaces and remove any wet items from affected areas. Keep receipts for any temporary repairs you make, as these may be relevant to your claim.
- Tarp over damaged sections
- Remove wet items from affected areas
- Set up fans to dry surfaces
- Keep receipts for temporary repairs
Work with Your Insurance
Contact your insurance company to file a claim. Provide your storm documentation, photos, and the professional report. Be clear about the wind event and the damage it caused.
Policies vary, and your insurer decides what is covered. Ask about timelines and what documentation they need. Act promptly, as delays can complicate your claim. Keep a log of all communications with your insurer, including dates and names of the people you speak with.
Water damage does not wait
Call (425) 407-5186 any time, day or night, and describe what happened.
Call Now (425) 407-5186Frequently asked questions
What if I didn't see the wind damage right away?
Damage can be hidden, like lifted shingles or loose flashing. If you notice leaks or missing shingles later, document the date you found it and any storm that occurred recently. A professional inspection can help tie it to wind.
Can I take photos from the ground?
Yes, ground photos are helpful, but they may not show all damage. Use a zoom lens or a drone if you have one. A professional will take detailed photos from the roof for a complete record.
How long do I have to file a claim?
Check your insurance policy for the filing deadline. Typically, you have a limited window, often a year, but it varies. Report the damage as soon as possible to avoid missing the deadline.