What to Do If Your Roof Is Damaged by a Storm in NWI

Storm damage to a roof can feel overwhelming, especially when you’re dealing with heavy rain, high winds, hail, and lightning strikes Indiana is known for. Whether the damage is obvious, like missing shingles or visible leaks, or more subtle, like hidden cracks or weakened areas, acting quickly can help minimize further damage and protect your home.

This guide will take you through every step, from assessing the damage to getting your roof repaired, ensuring you’re fully prepared if a storm hits your home in Indiana.

Need help getting your roof back into shape after a storm? Contact us online or call us at 219-838-9111 to talk to us our trusted roofing professionals for a free inspection today!

Assess the Damage Safely

After a storm, priority number one should always be your safety. Storm-damaged roofs can be unstable, with loose shingles, debris, and potential structural issues. Here’s how to assess the damage safely and effectively.

1. Wait for the Weather to Clear

Before inspecting your roof, ensure the storm has completely passed, and it’s safe to go outside. Wet surfaces, high winds, or lightning can put you at serious risk.

2. Perform a Ground-Level Inspection

Start by checking your roof from the ground. Look for visible signs of damage such as missing shingles, damaged flashing, sagging areas, or debris like tree branches. Use binoculars for a closer look if needed.

3. Check for Leaks Indoors

Storm damage often leads to water intrusion. Look for water stains, bubbling or peeling paint, or damp areas on your ceiling or walls. These can indicate that water is seeping through a damaged roof.

4. Photograph Everything

Document any damage you spot. Take clear, high-quality pictures of missing shingles, water stains, or debris. This evidence will be crucial for insurance purposes later.

Pro Tip: Avoid climbing onto your roof yourself. Leave that to the Roman’s Roofing professionals who are trained to identify and handle structural issues safely.

Secure Temporary Repairs

Once you’ve identified damage, your next step is to prevent further issues until proper repairs can take place.

1. Cover Exposed Areas

If you have noticeable holes or missing shingles, use tarps or heavy plastic sheeting to cover exposed areas. This can help keep rain, wind, and debris from causing even more damage.

2. Clear Loose Debris

Safely remove branches, leaves, or other debris that could clog gutters or create hazards. Just be sure not to put yourself at risk while doing so.

3. Avoid Quick Fixes

While temporary measures are necessary, avoid attempting permanent repairs at this stage. You risk overlooking bigger issues or voiding warranty coverage on your roof.

Contact Your Insurance Provider

Storm damage can be costly, but your homeowner’s insurance might cover part or all of the repairs. Reach out to your insurance company as soon as possible to initiate a claim.

Here’s What to Expect in the Process

• Report the Damage

Contact your insurance provider to report the storm damage. Provide a detailed description of what you’ve observed and submit the photographs you took during your roof inspection.

• Schedule an Adjuster’s Visit

Insurance companies typically dispatch an adjuster to inspect the damage. They will assess the scope of repairs and determine the coverage amount.

• Review Your Policy

While waiting for your adjuster, review your homeowner’s insurance policy to fully understand your coverage, deductibles, and any exclusions.

Note: Some Indiana-specific factors, like hail or tornado damage, may have special coverage terms in your policy.

Get a Professional Roof Inspection

While your insurance adjuster will provide an evaluation, it’s wise to have an independent professional roofing contractor inspect your roof as well.

What We’ll Look For

Professional roofers from Roman’s Roofing can spot issues you might have missed, such as small cracks, weakened flashing, or hidden water damage. They’ll also provide an accurate estimate for the necessary repairs.

Choosing the Right Contractor

• Hire Local Experts

Roman’s Roofing is familiar with Indiana’s climate and common roofing issues.

• Verify Licenses and Insurance

Ensure your roofer is licensed and insured to protect yourself from liability.

• Read Reviews

Check online reviews or ask for references to gauge the quality of their work.

Plan for Roof Repairs or Roof Replacement

Once inspections are complete, you’ll need to decide whether you need a roof repair or a roof replacement.

Roof Repairs vs Roof Replacement

• Roof Repairs may be sufficient if the damage is limited to a specific area, such as a few missing shingles.
• Roof Replacement might be necessary for more extensive damage that compromises the integrity of the entire roof.

Coordinate with Your Roofer and Insurer

Work closely with the the Roman’s Roofing team and insurance provider to outline the scope of work and costs. Ensure you understand who is responsible for what, so there are no surprises down the line.

Tip: Storm season in Indiana can lead to a high demand for roofers. Schedule repairs as soon as possible to avoid delays.

Stay Storm-Prepared for the Future

With Indiana’s unpredictable weather, ensuring your roof is ready for future storms can give you peace of mind.

Regular Maintenance

• Schedule professional roof inspections at least twice a year or after major storms.
• Keep your gutters clean to prevent water from pooling on your roof.

Upgrade Materials

If replacement is necessary, consider investing in impact-resistant shingles or hurricane straps. These upgrades can provide added protection against Indiana’s intense storms.

Check Insurance Annually

Review your homeowner’s insurance policy regularly to make sure your coverage is adequate, especially if your roof has been replaced or upgraded.

Protect Your Home with Confidence

Storm-damaged roofs are stressful, but with the right steps, you can minimize long-term issues, save money, and restore your home to its best condition. Start by assessing the damage, securing temporary repairs, and working closely with insurance providers and the professional roofers from Roman’s Roofing.

By taking proactive steps to maintain your roof and prepare for future storms, you’re doing more than protecting your house; you’re safeguarding the place you call home.

Need help getting your roof back into shape after a storm? Contact us online or call us at 219-838-9111 to talk to us our trusted roofing professionals for a free inspection today!