After storm damage, get the roof made safe first, photograph the damage, contact your insurer to report the claim, and ask a roofer for a written report with photos and a quote. Most home insurance covers sudden storm damage but excludes wear and tear and poor maintenance. DG Roofing Services supplies insurer-ready reports and carries out the repairs once a claim is approved.
Step 1: Make it safe
Insurers expect you to prevent further damage where reasonable. A roofer can carry out temporary weatherproofing — keep the invoice, as it may form part of your claim.
Step 2: Document the damage
- Photos of fallen tiles, guttering or debris from the ground
- Photos of internal damage — ceilings, walls, belongings
- The date, time and weather conditions
- Any receipts for emergency work
Step 3: Report the claim
Contact your insurer as soon as possible. They'll explain what they need and whether they'll send an assessor.
Step 4: Get a roofer's report and quote
A detailed report helps show the damage was caused by the storm rather than general wear. DG Roofing Services provides photographs, a written description of the damage and a clear quote for the repair.
What insurers usually don't cover
- Gradual wear and tear
- Damage from poor maintenance (e.g. long-term blocked gutters)
- Faulty workmanship from a previous repair
- Damage from conditions that don't meet the policy's definition of a "storm"
Frequently asked questions
Do I need several quotes for an insurance claim?
Some insurers ask for more than one quote; others appoint their own contractors or assessors. Ask your insurer what they need.
Can DG Roofing deal with my insurer?
We can supply reports, photos and quotes for you to submit, and we regularly work on insurance jobs.
Owner of DG Roofing Services, roofing across Darlington and the North East for 30+ years. Rated 10/10 on Checkatrade from 500+ reviews.
