Quick Answer
After storm damage, put safety first, then limit further damage by moving belongings and placing buckets or tarps if it is safe to do so. Photograph all damage inside and out, call a reputable local roofer for an inspection and emergency tarping, and contact your insurance company to start a claim. Keep receipts for emergency repairs, and do not sign contracts with door-to-door storm chasers.
1. Make Sure Everyone Is Safe
Stay out of rooms with sagging ceilings or active leaks near light fixtures and outlets. If water is near electrical systems, turn off power to that area if you can do so safely.
Do not climb onto the roof, especially when it is wet or damaged.
2. Prevent Further Damage
Move furniture, electronics, and valuables away from leaks. Use buckets and towels to catch water.
Most policies expect you to take reasonable steps to prevent additional damage. Emergency tarping by a professional is often covered as part of the claim.
3. Document Everything
Good documentation makes the insurance process smoother.
- Take photos and video of damage inside and outside
- Photograph hail size next to a ruler or coin if you can
- Note the date and time of the storm
- Keep receipts for tarps, emergency repairs, and temporary housing
- Save damaged items until the adjuster sees them
Mistakes to Avoid After a Storm
The days after a storm are stressful, and a few common mistakes can make the situation harder.
- Climbing on a wet or damaged roof yourself
- Throwing away damaged items before they are documented
- Waiting weeks to report the damage
- Signing a contract with an unverified door-to-door contractor
- Accepting an offer to cover your deductible, which Texas law prohibits
- Making permanent repairs before the adjuster sees the damage, unless needed to prevent further loss
4. Call a Local Roofer, Then Your Insurer
A local roofer can inspect the roof, tarp exposed areas, and give you an informed view of the damage before or alongside the adjuster's visit.
Contact your insurance company promptly to report the claim. Ask about your deductible and coverage for emergency repairs.
Be cautious with out-of-town crews knocking on doors after a storm. Choose a contractor with a local address and a track record in San Antonio. Sanchez Metal Roofing has served the area for more than 20 years.
Frequently Asked Questions
Does homeowners insurance cover emergency tarping?
Many policies cover reasonable emergency measures to prevent further damage. Keep your receipts and ask your insurer.
Should I call my insurance company or a roofer first?
Either works, but many homeowners call a roofer first to confirm there is damage and prevent more water from getting in, then report the claim.
How long do I have to file a roof claim in Texas?
Deadlines depend on your policy. Check your policy or call your agent as soon as possible after the storm.
Contact Sanchez Metal Roofing
Phone: (210) 708-3308. Email: sanchezmetalroofing123@gmail.com. Address: 520 Fredericksburg Rd, San Antonio, TX 78201. Hours: Monday through Saturday 8:00 AM to 5:00 PM. Free roof inspections across San Antonio. Call (210) 708-3308.