Document the damage.
Clarify the coverage.

Start from a safe place

Wait for dangerous weather to pass. Keep clear of damaged structures and power lines. Record visible conditions only from a safe location; roof access and temporary roof protection belong with qualified professionals.

Keep a usable record

• When you noticed the problem and the weather event, if known.
• Photographs or video taken safely, without moving into damaged areas.
• Previous roof records, relevant maintenance and repair documents.
• Contractor findings, written estimates, invoices and receipts.
• Your insurer’s instructions and a record of communications.

Ask your insurer about the next steps

Contact your insurer or agent promptly to ask what information is needed and what timing applies. Ask how temporary protection and permanent repair should be documented. Coverage, deductibles, exclusions and settlement methods depend on your policy and jurisdiction.

The Washington regulator resource below is an example of official post-loss guidance. Washington-specific requirements are not nationwide rules; use your own state regulator and insurer for requirements that apply to you.

Keep the roofing scope clear

Ask the contractor to describe the observed damage and proposed work. An estimate is not an approval of an insurance claim. This demonstration does not adjust claims, negotiate coverage or represent an insurer.