After a hailstorm or high winds, it is common to get a knock on the door offering a free roof inspection. An inspection is a sensible first step, but the report that follows can be confusing. Knowing what roofers look for — and what to ask — helps you decide between a targeted repair and a full replacement.
Key takeaways
- Ask for photos of every problem the inspector reports.
- Age, extent of damage and underlying layers drive the repair-or-replace decision.
- Talk to your insurer before signing anything tied to a claim.
What a storm inspection should cover
A thorough inspection looks beyond missing shingles. It should include the condition of flashing around chimneys and vents, gutters and downspouts, soft spots in the decking, granule loss on shingles and signs of leaks in the attic.
Ask the inspector to photograph each issue and mark where on the roof it was found. Photos make it easier to get a second opinion and are useful if you file an insurance claim.
When repair usually makes sense
- Damage is limited to a small, clearly defined area.
- The roof is relatively young and otherwise in good condition.
- Matching replacement shingles are still available.
When replacement deserves a serious look
- Damage is spread across several slopes of the roof.
- The roof is near the end of its expected life.
- There are repeated leaks or the decking underneath is soft.
- Multiple layers of old shingles are already in place.
Questions to ask the roofer
- Can you show me photos of every issue in your report?
- Why do you recommend repair or replacement in this case?
- What materials and underlayment will you use?
- Will you remove the old roof or install over it?
- How will you protect landscaping and clean up nails?
- What warranties come from you, and which come from the manufacturer?
If insurance is involved
Read your policy and call your insurer before agreeing to work that depends on a claim. Be cautious with any contract that asks you to sign over insurance benefits or commit to a contractor before the claim is reviewed. Your state’s insurance department publishes consumer guidance on storm-damage claims and common scams.
FAQ
Can I get a second inspection?
Yes, and for larger jobs it is a good idea. A second roofer may confirm the first report or suggest a different approach.
How quickly should I act?
Temporary protection such as a tarp is worth arranging quickly if there is an active leak. The permanent decision can wait until you have clear information and, if needed, your insurer’s assessment.
