Roof damage can feel stressful, especially when you’re worried about leaks, repairs, or what your insurance will cover. Take a breath. You’re okay. Here’s a calm, clear guide to help you handle roof damage with confidence and avoid bigger problems down the road.

Step One: Stay safe and assess from the ground

If a storm just passed, avoid climbing onto the roof. Look from the ground for missing shingles, lifted shingles, debris, or visible damage. Safety first, always.

Step Two: Prevent further damage

If you can safely place a bucket under a leak or move belongings away from water, do that. Small steps can prevent bigger issues.

Step Three: Document everything

Take photos of the roof, the damage, any water inside, and anything else that seems important. More information makes the claim process smoother.

Step Four: Contact a trusted roofing professional

A licensed roofer can inspect the damage and give you an estimate. Avoid storm‑chasing contractors who show up uninvited. Your agent can help you choose a reputable company.

Step Five: Reach out to your insurance agent

Once you have a clear idea of the damage, contact your agent. We’ll help you understand whether filing a claim makes sense and what your options are.

Step Six: File a claim if needed

If the damage is caused by wind, hail, or another covered peril, a claim may be appropriate. Your agent will guide you through the process and help you understand what to expect.

Step Seven: Meet with the adjuster

An adjuster may inspect your roof or review photos. Ask questions if anything is unclear. You deserve to understand the process.

Step Eight: Review repair options

Depending on the damage, you may need repairs or a full replacement. Your agent and roofer can help you understand the best path forward.

What Not to Do

• Don’t climb onto the roof yourself.

• Don’t ignore small leaks.

• Don’t hire unlicensed contractors.

• Don’t assume all roof damage is covered.

Ohio Roof Damage Tips

• Wind and hail storms are common.

• Older roofs may have wear that affects coverage.

• Tree branches can cause hidden damage.

• Winter ice can create leaks long after the storm.

If your roof is damaged and you need guidance, we’re here to help.