How do you file an insurance claim for roof damage from snow?
Short answer. Photograph the snow load and any damage before it melts, stay off the roof, and report the claim with the storm dates, a description of what you see inside and out, and any emergency steps you took. Most policies cover sudden damage from the weight of snow and ice and the water damage that follows, so the key is documenting it while the evidence is still visible.
Types of snow damage and what to capture
- Sagging or collapsed sections: photograph the ceiling and roofline, and keep everyone out of that area. A structural engineer may be needed. See engineer inspections.
- Gutters torn down by ice: photograph them where they fell, with the ice still in them if possible.
- Ice dam leaks: photograph the ice ridge at the eaves and the interior stains.
- Limbs and trees on the roof: photograph before anything is cut or moved.
Pin down the date of loss
Winter storms in Georgia often span two or three days of snow, sleet and freezing rain. Pick the date the damage occurred, or the main day of the event, and keep National Weather Service snow and ice totals for your area. See choosing the date of loss.
Emergency steps the policy expects
- Use a roof rake from the ground on low eaves, never a shovel on the roof.
- Catch and contain leaks and start drying.
- Have openings covered once it is safe. See your duty to mitigate.
- Keep every receipt, including hotel costs if the home is unsafe.
After the melt
Have the roof inspected for cracked shingles, bent flashing, damaged vents and broken decking. Snow and ice claims are less common in Georgia, so a thorough written scope helps the adjuster see the full picture.