Why record the roof before any cleanup?
A record taken before cleanup shows the roof as the storm left it. Once debris is cleared, shingles are reset or a tarp is laid, the original position of the damage is hard to show, so the first photographs carry the most weight.
Homeowners often clear the yard and the gutters in the first hours after a storm. That is understandable, but the material on the roof and in the gutters is part of the record. A crew asks that the roof and gutters be left as they are until the survey is complete.
Where safety requires a change, such as a tarp to keep rain out of a room, the crew records the roof before it is covered and notes the time and the reason for the change.
What does a storm damage inspection record?
The record lists each damaged area with its position on the roof, a photograph, a short description of the damage and the likely cause. It also notes the attic findings, the gutters and any debris, and it is dated and signed by the technician who did the survey.
Positions are given as slope, edge and distance from a known point such as a ridge or a chimney, so that a reader can find each item on the roof. Photographs are taken from the ground and from the roof where it is safe, and each one carries its label.
The note separates what was seen from what is judged. A lifted tab is a fact. A tab that is likely to lift again in the next wind is a judgment, and the note labels it as one.
How can the written note be used with an insurer?
A dated, photographed record can help a homeowner talk with an insurer about what the storm did. It is evidence of condition, not a decision on the claim. Whether a policy responds to any given damage is for the insurer and the policy to decide.
Keep the note, the photographs and any receipts together. Give a copy to the insurer if it asks for one, and keep a copy for your own records. The crew can explain what it saw, but it does not decide the claim or speak for the insurer.
If the insurer's view of the damage differs from the record, the homeowner can ask the insurer to explain its reasoning in writing. A dispute about how a claim is handled can be raised with the California Department of Insurance.
Should I wait for the insurer before I repair the roof?
Safety and further damage come first. A crew can make the roof safe and dry where that is needed, and it records the state of the roof before doing so. Ask the insurer how it wants the work documented before any permanent repair, and keep every step in writing.
A temporary cover over an open area keeps rain out of the house while the claim is looked at. The crew notes the cover, its position and the time it was put on, and it photographs the roof before the cover goes down.
A permanent repair can often follow once the damage is recorded. The homeowner should ask the insurer what documentation it needs before the repair is done, and whether any part of the roof must be kept for review.
What affects the scope of a storm inspection?
The scope depends on the roof area, the number of damaged areas, the access and whether the attic must be entered. The inspection is quoted separately from any repair, and the price is explained and approved before any work starts.
A small roof with one visible area of damage is a short survey. A large or steep roof with many areas, or one where the attic is hard to reach, takes longer to record and needs more care.
A crew that finds damage will show it to you and explain the recommended steps. The inspection is a record first, and any repair is a separate decision with its own quote.