Insurance and Claims
How to Document Roof Damage for an Insurance Claim
Photograph all visible damage from the ground with dated, wide-angle and close-up shots, note the storm date, and keep any professional inspection report - thorough documentation taken before repairs begin is one of the most useful things a homeowner can do to support a claim.
Direct Answer
Photograph all visible damage from the ground with dated, wide-angle and close-up shots, note the storm date, and keep any professional inspection report - thorough documentation taken before repairs begin is one of the most useful things a homeowner can do to support a claim.
What to document and when
Documentation gathered before repair work begins is generally more useful for a claim than documentation gathered afterward, since it captures the damage in its original state.
- Photograph the entire roofline from the ground at multiple angles, along with close-up shots of any visible damage using zoom rather than climbing up.
- Include wide shots that show context (the whole roof section, not just the damaged spot) alongside close-up detail shots.
- Photograph related exterior damage too - gutters, downspouts, window screens, siding, AC units - since these support the claim's overall pattern.
- Note the date and approximate time of the storm, and if possible, save any local news or weather service reports confirming hail occurred in your area.
- Keep a copy of any professional inspection report separately from what you submit to your insurer, for your own records.
- Avoid starting repairs before the adjuster's visit unless temporary protective measures (like tarping) are necessary to prevent further damage.
Questions to ask about the documentation process
- Ask your insurer specifically what documentation format and detail level they expect for your claim type.
- Ask whether temporary protective repairs (tarping) need to be documented separately before permanent repair work begins.
- If a contractor performs your initial inspection, ask for the full report in writing, not just a verbal summary.
- Confirm with your insurer how long you have to submit documentation after the storm event.
Frequently Asked Questions
Do I need professional photos, or can I use my phone?
Standard phone photos are generally sufficient as long as they're clear, well-lit, and capture both wide and close-up views. The key is thoroughness and timing, not professional photography equipment.
What if I didn't document damage right after the storm?
Documentation is still useful even if delayed, though some evidence (like granules in gutters) may have washed away or been disturbed by weather. Document what remains and be upfront with your insurer about the timeline.