What to Do When a Storm Damages Your Roof in Southwest Virginia

Southwest Virginia sees its share of severe weather — from powerful thunderstorms and hail to remnants of tropical systems and heavy snow. When a storm damages your roof, knowing what to do (and what NOT to do) can save you thousands and protect your home from further damage.

Here's your step-by-step action plan.

Step 1: Stay Safe First

After a severe storm, your immediate priority is personal safety:

• Do not go on the roof. Wet surfaces, hidden damage, and weakened structures make post-storm roof access extremely dangerous.
• Stay away from downed power lines anywhere near your home.
• Watch for interior signs of roof failure: water dripping from ceilings, bulging drywall, or water around light fixtures. If water is near electrical systems, turn off power to affected areas.
• Evacuate if necessary. If you notice sagging ceilings or structural sounds, leave the home and call emergency services.

Step 2: Document Everything

Before any cleanup or repairs, document the damage thoroughly:

• Take photos and videos of all visible damage — exterior and interior.
• Photograph the overall scene including downed trees, debris, and surrounding damage.
• Save damaged materials if possible — don't throw away fallen shingles, broken siding, or other debris until your insurance adjuster has inspected.
• Note the date and time of the storm and when you discovered damage.
• Check your neighbors' homes — widespread storm damage in your neighborhood strengthens your insurance claim.

This documentation is crucial for your insurance claim. The more evidence you have, the smoother the process.

Step 3: Prevent Further Damage

Your homeowner's insurance policy requires you to take reasonable steps to prevent additional damage. This is called "mitigation" and it's your responsibility:

• Place buckets or containers under active leaks.
• Move furniture and valuables away from water intrusion.
• Emergency tarping: If you have a significant opening, a tarp can prevent further water entry. However, we recommend calling a professional for this — improper tarping can cause more harm than good.

Modern Day Roofing offers 24/7 emergency tarping services. Call (540) 204-5597 and we'll respond as quickly as possible.

Step 4: Contact Your Insurance Company

File your claim as soon as possible. Here's what to expect:

• Call your insurance company's claims line — not your agent. The claims department processes these faster.
• Request a claim number and write it down.
• Ask about your deductible and any coverage limitations.
• Request a timeline for when the adjuster will visit.

Most Virginia insurance companies require claims to be filed within a specific window after the storm (often 1–2 years, but sooner is always better).

Step 5: Get a Professional Inspection

Before the insurance adjuster arrives, have a reputable roofing contractor inspect your roof. This is important because:

• A roofer can identify damage that isn't visible from the ground.
• You'll have an independent assessment to compare with the adjuster's findings.
• Your contractor can be present during the adjuster's inspection to point out damage.

At Modern Day Roofing, storm damage inspections are always free. We use drones and on-roof inspections to create a comprehensive damage report with photos.

Step 6: Meet the Insurance Adjuster

When the adjuster visits your property:

• Have your contractor present if possible — they speak the same language and can ensure nothing is missed.
• Show all documented damage including your photos and videos.
• Point out interior damage as well as roof damage.
• Don't sign anything releasing the insurance company until you're satisfied with the assessment.

If the adjuster's assessment seems low, you have the right to get a second opinion or file a supplemental claim.

Warning: Storm Chaser Scams

After every major storm, out-of-town "storm chasers" descend on affected areas. While some are legitimate, many are not. Watch for these red flags:

• Door-to-door solicitation immediately after storms.
• Pressure to sign contracts before you've filed a claim.
• Offers to pay your deductible — this is insurance fraud.
• No local address or references.
• Requesting large upfront payments.

Always work with established, local contractors who will be here long after the project is complete. Check for proper Virginia licensing, insurance, and local references.

Types of Storm Damage Common in Southwest Virginia

Wind Damage

High winds can lift shingle tabs, tear off ridge caps, and pull flashing away from walls and chimneys. Even if shingles aren't missing, the seal strip may have broken, leaving shingles vulnerable to the next storm.

Hail Damage

Hail creates circular dents in shingles that crack the granule surface and expose the asphalt underneath. This damage is often invisible from the ground but shortens roof life dramatically.

Falling Debris

Fallen tree limbs can puncture roof decking, damage gutters, and destroy flashing. Even branches that don't puncture the roof can scrape away granules and crack shingles.

Frequently Asked Questions

Will my insurance rates go up if I file a storm claim?

Storm damage claims are typically classified as "Acts of God" and are less likely to raise your rates than other claim types. However, this varies by insurer.

How long do I have to file a storm damage claim?

Most Virginia policies allow 1–2 years, but we recommend filing immediately. Delays can result in denied claims.

What if my roof was already old when the storm hit?

Insurance covers storm damage regardless of roof age. However, your payout may be prorated based on roof age depending on your policy type (Replacement Cost vs. Actual Cash Value).

Do I have to use the contractor my insurance company recommends?

No. You have the right to choose your own contractor. We recommend working with a local, established company you trust.

Storm damage won't wait. Call Modern Day Roofing at (540) 204-5597 for 24/7 emergency response and a free damage assessment.