Storm Damage Repair, Documented for Your Insurance Claim
After a thunderstorm, nor'easter or tropical remnant, we inspect your roof, siding and gutters, photograph the damage and meet your adjuster on site. Then we make the repairs.
What Happens to a Roof After a Southern Maryland Storm
Storm damage isn't always obvious from the driveway. A summer thunderstorm or a nor'easter blowing off the Chesapeake can break the seal strips on shingles without tearing them off, so the roof looks fine until the next heavy rain finds the gap. Hail can bruise shingles and knock off granules, and a fallen limb can crack decking under shingles that still look whole.
HomePro Contractors inspects the whole exterior after a storm: roof surface, flashing, vents, gutters, siding and the attic underneath. We take dated photos and measurements of what we find and explain what's storm damage and what's normal wear, because your insurer will make that distinction too. If there's an opening, we cover it right away so water damage doesn't add to the claim.
We're a roofing and exterior contractor, not a public adjuster. We don't negotiate your claim or promise what your policy will pay. What we do is give you and your adjuster clear, accurate documentation of the damage, and then do the repair work properly once the scope is agreed.
Signs Your Roof Took Storm Damage
Look from the ground only. Don't climb onto a wet or damaged roof, that's our job.
- Shingles on the lawnWhole tabs or pieces in the yard mean the wind got under the roof edge or ridge.
- Creased or lifted shinglesA horizontal line across a shingle means it folded back in the wind and lost its seal.
- Dents on metal partsDings in gutters, downspouts, vents or AC fins are a good clue that hail hit the roof too.
- Granules piling upA sudden heap of granules at the downspouts after a hailstorm points to bruised shingles.
- New ceiling stainsWater showing up inside after a storm means something on the roof opened up.
- Limbs on the roofEven a branch that rolled off can crack shingles or decking. Get it checked.
The Storm Damage We See Most in Southern Maryland
Wind damage: summer thunderstorms, nor'easters and the remnants of tropical storms all bring strong gusts. Shingles fail first at the edges, ridges and corners, and homes on open, bay-front or river-front lots take the most wind.
Hail: hailstorms here are usually short, but they can bruise asphalt shingles, crack the mat underneath and strip granules. The damage often doesn't leak right away, which is why it's worth documenting soon after the storm.
Fallen trees and limbs: mature oaks and tulip poplars are common across Calvert, Charles and St. Mary's counties. A falling limb can puncture decking, crush gutters and tear siding in one hit.
Wind-driven rain: sideways rain pushes water under flashing, through ridge vents and behind siding in ways a normal shower never does, so leaks can appear in places that have never leaked before.
How We Handle Storm Damage
- Free storm inspection of the roof, gutters, siding and attic
- Dated photos and measurements of every damaged area
- Emergency tarp or dry-in if water can get in
- Meet your adjuster on site to walk the damage together
- Repair or replace to the agreed scope, with final photos
Repairs That Match and Hold Up
Storm repairs should blend in with the roof you have. We match shingle style and color as closely as current products allow, replace damaged underlayment and decking instead of covering them, and reset or replace flashing that the wind pulled loose. Dented gutters and cracked siding panels are handled in the same visit when they're part of the damage.
When the damage is widespread, or matching shingles are no longer made, a partial repair may not be the right answer. We'll show you the photos and explain the options plainly. Whether the insurer pays for a repair or a replacement is their decision under your policy, not ours.
How the Insurance Side Works
Call your insurance company to open the claim, and keep your claim number handy. We'll provide the photos and measurements, meet the adjuster on site, and point out the damage we found. Only you, your insurer, or a licensed public adjuster can negotiate the claim itself. Under Maryland law a roofing contractor can't act as your public adjuster, and we won't.
Most policies expect you to take reasonable steps to prevent further damage, such as tarping an opening. Keep receipts for any emergency work. Coverage for wind, hail and fallen trees depends on your policy and deductible, and wear and tear is usually excluded, so we can't promise a claim outcome. We can make sure the damage is clearly documented.
Schedule a Free Storm Damage Inspection
Tell us when the storm hit and what you're seeing. We'll inspect, photograph the damage and let you know whether it's worth calling your insurer.
- Free, no-obligation storm inspection
- Dated photo documentation
- We meet your adjuster on site
- Emergency tarping if needed
Storm Damage & Insurance Claims Across Southern Maryland
Tap your town for local details.
Storm Damage & Insurance Claims Questions
Should I call my insurance company or a roofer first?
Either order works, but don't wait long. Many homeowners have us inspect first so they know whether there's real storm damage before opening a claim. If water is coming in, call us right away for a tarp and report the claim the same day.
Are you a public adjuster?
No. We're a roofing and exterior contractor. In Maryland, negotiating a claim on your behalf is the job of a licensed public adjuster. We document the damage, meet your adjuster, and do the repair work.
Will my insurance pay for a new roof?
It depends on your policy, your deductible and what the adjuster finds. Sudden wind, hail or tree damage is often covered; age and wear usually are not. We can't promise an outcome, but we make sure the damage is documented clearly.
How long do I have to file a storm damage claim?
Deadlines vary by policy, so check yours or ask your agent. In general, report damage as soon as you can. Hail and wind damage gets harder to tie to a specific storm as time passes.
What if the adjuster misses some damage?
Let us know. We can share our photos and measurements with you and your insurer so they can take another look. How the insurer handles a re-inspection or supplement is up to them and your policy.
Storm Hit Your Roof? Let's Document It.
Free storm damage inspections across Calvert, Charles, St. Mary's and Prince George's counties. Call (443) 771-0755.