A homeowner storm damage report is a safe pre-visit handoff for the roofer. It should tell the roofer what happened, what you observed, what photos and documents you have, and what still needs inspection.
There is no safe universal answer to "should I file a roof insurance claim after hail?" The better first step is to build a pre-filing evidence file: safety status, visible property evidence, storm-date context, roof age, receipts, policy questions,...
You cannot confirm hail damage to a roof from the ground. You can collect clues that make the next conversation safer: storm date, safe photos, collateral dents, spatter, visible missing or lifted material, granules near downspouts, interior stains, and...
Before signing a storm damage roofing contract, ask questions that force the important answers into writing: who the contractor is, what work is included, what is excluded, what changes the price, what payments are due, what storm date and photos support...
Roof age matters before storm season because it changes what records you should gather and what questions you should ask.
Functional roof damage is damage tied to how the roof performs. It can affect water shedding, water-entry resistance, protective surfacing, attachment, flashing or penetration performance, drainage, material integrity, or expected service life.
Prepare for an insurance adjuster roof inspection by organizing the claim basics, policy documents, safe photos, damage notes, roof age records, contractor documents, receipts, temporary repair records, and a short list of process questions before the visit...
Use a homeowner roof damage report after a storm to record what happened, what was safely observed, what photos and documents were saved, what is unknown, and who needs to answer the next question.
Document emergency roof tarping in this order: safety first, visible damage second, temporary protection third, paperwork fourth.
Take roof photos before calling insurance in a safety-first order: hazards, interior rooms, close damage, safe exterior views, roof-facing photos, debris, receipts, and dates.
