Keep people away from the hazard
If a roof leak begins during a storm, follow local emergency instructions and focus first on the people in the home. Stay out of damaged areas and keep clear of downed power lines. Do not climb onto the roof to investigate or attempt an improvised storm repair. If there is an immediate danger, contact emergency services or the appropriate utility rather than trying to solve the roofing problem yourself.
Share what you can safely observe
From a safe location, record where you noticed water, when it began, and whether the affected area is changing. Photographs may help later, but do not enter a hazardous area to obtain them. Keep people clear of a bulging ceiling or water near electrical equipment and seek appropriate help.
- Where was the leak first noticed?
- Is the area accessible without approaching a hazard?
- Have there been earlier leaks or repairs in the same place?
- What roof records or photographs are already available?
- Who should receive the service request and later assessment?
Arrange the next step when it can be done safely
Contact a roofing professional to discuss assessment and any proposed temporary protection, with availability and access confirmed for current conditions. Ask what the temporary scope includes and what follow-up is needed. Keep findings, receipts, and correspondence together. Direct insurance questions to your insurer and ask what records it wants. A leak needs attention, but it should not lead you into unsafe roof access or a hazardous area of the house.
Document the condition before deciding the scope.
After a storm, begin with observations you can make safely from inside or from the ground. Record where you see water or visible damage and when you first noticed it. Roof findings, construction recommendations and insurance coverage are separate questions that should be documented separately.
When arranging the assessment
Describe active leaks, affected rooms and visible exterior changes. Share photos you already have, earlier roof records and the approximate timing of the event. Ask about current availability and temporary protection separately from the permanent repair scope.
Read the supporting guidance: IBHS: roof weathering and maintenance
