Documenting roof damage for an insurance claim
A practical record-keeping checklist for property owners after visible roof damage.
Make safety the first step
Do not climb onto a damaged or wet roof. Keep clear of unstable structures, downed lines, and wet areas near electrical equipment. Follow local emergency instructions and contact emergency services if someone is in immediate danger.
Keep a clear, dated record
From safe locations, record what you noticed, when you noticed it, and any weather event that may be relevant. Photograph visible conditions without removing materials or entering unsafe areas.
- Save dated photographs of visible exterior and interior conditions.
- Keep estimates, invoices, receipts for temporary measures, and messages.
- Record the names, dates, and topics of calls with contractors and your insurer.
Ask the insurer about its process
Coverage depends on the policy, the facts, and the insurer's process. Contact your insurer or agent for claim-specific instructions. This directory does not interpret policies, determine cause, or promise claim approval.