The short answer
After a storm, stay off the roof. From the ground, look for missing or lifted shingles, bent flashing and debris. Inside, check ceilings and the attic for wet spots. Take photos of everything before cleanup, then call your insurer and get a written roof inspection from a local roofer.
From the ground
- Missing, creased or lifted shingles.
- Shingle grit piled up at the downspouts.
- Bent gutters, flashing or vents.
- Fallen limbs on the roof.
Inside
- New stains on ceilings or walls.
- Wet insulation or drips in the attic.
- Light coming through the roof boards.
Avoid storm scams
- Be careful with roofers who knock on doors right after a storm.
- Get a written quote and check the license and insurance.
- Never pay the whole job up front, and never sign over your insurance check.
Questions people ask
- Will insurance pay for a roof after a hurricane?
- Storm damage is often covered, minus your hurricane or wind deductible, which can be higher than your normal deductible. Photos and a roofer's report help the claim.
- Should I put a tarp on my roof?
- A tarp can stop more damage until repairs. If you can't do it safely from a ladder, have a roofer do it, and keep the receipt for your claim.
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Last reviewed November 8, 2026.