Quick answer: after a hurricane, stay safe, stop water from getting in, photograph everything, report the claim to your insurance company, and have a local roofer inspect the roof before you sign any contract.
1. Stay safe first
- Do not climb onto a wet or damaged roof.
- Watch for downed power lines and stay clear of them.
- Stay out of rooms with sagging ceilings or standing water near outlets.
- If you smell gas or see structural damage, leave the house and call the proper authorities.
2. Stop more water from getting in
Move valuables and electronics away from leaks and catch dripping water. If water is coming through the roof, arrange emergency roof tarping. Most insurance policies expect homeowners to take reasonable steps to prevent further damage, so keep receipts.
3. Document everything
Take photos and video of the roof from the ground, damaged gutters and siding, fallen limbs, and every wet ceiling, wall and belonging inside. Note the date and time. Do not throw away damaged items until your adjuster has seen them or you have clear photos.
4. Report the claim
Contact your insurance company or agent to open a claim and write down your claim number. Ask about your hurricane or named-storm deductible and any deadlines. Our insurance claim help page explains how the process usually works.
5. Get a professional roof inspection
Wind damage is not always visible from the ground. Lifted shingles, broken seals, damaged flashing and torn ridge caps can leak weeks later. A thorough inspection with photos helps you understand the full extent of the damage before your adjuster visits.
6. Watch out for storm chasers
- Ask for a local address and phone number.
- Ask for proof of licensing and insurance.
- Get a written estimate and read contracts before signing.
- Be cautious of large upfront payments or pressure to sign that day.
7. Rebuild stronger
If your roof needs to be replaced, consider a FORTIFIED roof. It is built to resist high winds and keep water out, and in Alabama it may qualify you for a discount on the wind portion of your insurance.
ARC Roofing is a local, FORTIFIED-certified roofer serving Mobile and Baldwin County. Call (251) 308-0135 or request a storm inspection.