With roof damage, should you call insurance or a roofer first?
Scenario 1: hail or wind, no leak
Get an inspection first. You will learn whether the damage is real, how widespread it is and whether it likely exceeds your deductible. Calling the insurer about damage that turns out to be wear can leave a record without a payment. Once damage is confirmed, report it promptly.
Scenario 2: an active leak
- Catch the water and protect belongings.
- Call a roofer to tarp the roof as soon as it is safe.
- Photograph the roof opening and interior damage.
- Report the claim within a day or two, with the storm date.
Emergency tarping is part of your duty to prevent further damage, and the reasonable cost is typically part of a covered claim.
Scenario 3: a tree on the house
Get everyone out of affected rooms, call 911 if there are downed lines or structural danger, then call a tree service and roofer. Report the claim the same day if you can; the insurer may want to send someone quickly.
Scenario 4: you are not sure anything happened
Check for collateral signs like dented gutters, AC fins and shingle pieces in the yard. Free hail history by zip code is at northgeorgiahailmap.com. A free inspection will tell you more than a phone call to the insurer.
What to avoid
Do not sign a contract on the spot with a door knocker, and never agree to a deductible waiver. See the full guide on who to call first and storm chaser scams.