Storm Damage? Here's What to Do Before You Call Your Insurance Company

When a storm hits, your first instinct might be to call your insurance company. But slow down—what you do in the first 24 to 48 hours can make or break your claim, and even determine whether you get full coverage or end up paying out of pocket.

Here’s a step-by-step guide from the pros at Peake Design and Build LLC to help you take control, avoid common pitfalls, and protect your home after a storm.

Step 1: Safety First, But Look for Obvious Signs

After the storm passes and it’s safe to go outside, do a walk-around of your property. Look for:

• Missing or curled shingles

• Tree limbs or debris on the roof

• Dented gutters or siding

• Water spots on ceilings or walls inside the home

• Shingle granules in downspouts or driveway

What NOT to do: Don’t climb on your roof. It may be unstable, and one wrong step can lead to serious injury. Let a professional handle it.

Step 2: Take Photos of Everything

Document the scene exactly as you find it. Take clear, high-resolution photos of any damage, as well as wide shots of your entire property.

Even if you’re not sure it’s “claim-worthy” damage, take the photos anyway. This creates a time-stamped record that can support your case later if issues develop.

Step 3: Contact a Local Roofing Expert—Not Your Insurance Company (Yet)

This surprises a lot of homeowners, but calling your insurance company too soon can actually hurt your claim. Here’s why:

• Insurance adjusters work for the insurer—not for you

• Filing a claim too early without a full inspection can lead to a denied or underpaid claim

• Some claims could raise your premiums—even if no work is done

At Peake Design and Build, we offer FREE storm inspections. We know what adjusters look for, and we can provide a full damage report before you make any calls.

Step 4: Get Help Navigating the Claims Process

We don’t just replace roofs—we guide you through the entire storm restoration process. From meeting with adjusters to reviewing your policy and deductible, we’re with you every step of the way.

Don’t sign anything from your insurance company or a contractor until you’re clear on what’s covered and what you’re agreeing to.

Step 5: Watch Out for Storm Chasers

After a big storm, your neighborhood might get flooded with out-of-town roofers offering quick, cheap repairs. These companies often:

• Use unlicensed crews

• Offer no warranty

• Leave town after collecting payment

Peake Design and Build LLC is local, fully licensed, and committed to your long-term peace of mind.

Final Thoughts

Storm damage is stressful—but it doesn’t have to be overwhelming. With the right steps and a trusted contractor by your side, you can protect your home, your investment, and your family.

Need a fast, honest storm inspection? Contact Peake Design and Build LLC today. We’ll give you real answers and advocate for your home like it’s our own.