Found Storm Damage? Here's What Happens Next.

Step 1. You see everything we found

Every inspection ends with photos. Lifted or creased shingles, hail bruising, dented gutters, cracked siding, whatever is there. We walk through them together in plain language so you see it with your own eyes instead of taking anyone's word for it.

If there's no damage, you hear that too. A clean bill of health is a good outcome.

Step 2. You decide whether to file

Finding damage doesn't mean you have to file a claim. That decision is yours. A few things worth thinking about:

• How much damage is there? A few loose shingles is a different conversation than hail across a whole slope plus the gutters and siding.
• What is your deductible? Check your policy declarations page so you know the number before you decide.
• How old is the roof? Older roofs that took a hit often make more sense to address now, before winter weather gets into the damage.
• When was the storm? Policies have time limits for reporting damage. Check yours, because they vary.

There's no pressure either way. My job is to make sure you have the facts to decide.

Step 3. If you file, we help you through the process

TEC works with insurance companies on storm damage every day, and that experience is a big reason I partnered with them. If you decide to file, here's how it usually goes:

1. You contact your insurance company and report the damage with the storm date. Write down your claim number.
2. Your insurer schedules an adjuster to look at the home.
3. The documentation is ready. The photos from your inspection show what was found on the roof, gutters and siding.
4. Your insurer makes the decision on what the policy covers and sends you their findings.

We'll help you understand each step and answer your questions along the way. One thing I'll always be straight about: we document the damage, and your insurance company decides coverage. We are not an insurance company or a public adjuster, and nobody can promise you an outcome.

Step 4. If you move forward, one partner handles the exterior

Storms don't just hit the roof. That's why it helps to work with one company that does roofing, siding and gutters. If you choose to move forward, TEC handles the whole exterior, so you're not juggling three different contractors.

And because I'm independent, if a job is a better fit for a different local crew, like a metal barn roof or a small cash repair, I'll point you to the right people instead.

What to keep in the meantime

• The inspection photos and any photos you took yourself
• The date of the storm
• Your claim number, if you file
• Receipts for any emergency repairs, like a tarp over a leak

And please stay off the ladder. Checking the roof is our job, and it's free.

Pennsylvania law generally gives homeowners three business days to cancel a home improvement contract. A good company won't rush you. Learn more from the Pennsylvania Office of Attorney General.

More roofing guides

Roof, gutters and siding: what a free exterior inspection checks · Storm damage on your roof? Get it checked before winter · Need a new roof before winter? Start here