How to Check for Roof Damage After a Storm

by Derek | Mar 5, 2025

Gulf Coast homeowners know that following a severe storm one of the most crucial tasks one can do is inspecting their roof for damage. But how do you know if your roof has storm damage?

Storms can cause hidden issues that may not be immediately visible but can lead to costly repairs if left unaddressed.

In this blog post we will guide you through how to check for roof damage after a storm, what insurance covers and what steps to take next to strengthen your roof for future storms.

Why Storm Damage to Your Roof Matters

Storms can take a serious toll on your roof, causing various types of wear and structural issues:

Wind impact: Along the Gulf Coast, strong winds are a frequent concern, with damage occurring at speeds as low as 47 to 54 mph. Gusts exceeding 60 mph can worsen the situation, lifting or tearing off shingles and exposing the underlayment to moisture. High winds can also loosen flashing, increasing the risk of leaks. After a storm with these conditions, it’s wise to have a certified roof inspector assess your home for any potential issues.

Hail strikes: Hailstones can dent shingles, bruise or strip away granules, and compromise vents and gutters, reducing the lifespan of your roofing materials.

Heavy rain exposure: Prolonged rainfall can lead to leaks, mold, and mildew growth. Even small cracks or weaknesses in the roof can allow water intrusion, leading to costly repairs if left unaddressed.

Debris impact: Winds reaching 58-74 mph can bring down tree branches or send airborne debris crashing into your roof. These impacts can puncture shingles, damage structural components, and weaken areas around the chimney.

Preexisting wear and tear make roofs more vulnerable to future storms. Even minor issues can escalate into major problems like water infiltration, insulation failures, and increased energy costs. Identifying and addressing concerns early can help homeowners avoid expensive repairs in the long run.

How to Check for Roof Damage After a Storm

Inspect from the Ground First

You can get an idea of your roof’s condition with both feet on the ground by looking for obvious damage with the naked eye or a pair of binoculars.

Look for missing or damaged shingles, fallen tree limbs, or displaced flashing.

Check for granules from shingles in gutters and around the foundation.

Check the Attic for Signs of Damage

Look for leaks, water stains, or sunlight coming through the roof.

Notice any musty smells indicating water intrusion.

Examine the Roof Up Close (Safely)

Different styles of roofs require different inspection methods. It is highly recommended that you do not get on your roof unless you are experienced in roof repair or can safely access your roof from a sturdy ladder.

After a storm, check for any debris on your roof. It may have caused harm to the structure or lead to further issues if not removed promptly.

If there’s visible harm, such as a hole from flying debris or a fallen tree, call a professional as soon as possible.

Depending on the type of roof, storm-related issues can appear in unexpected ways. To better understand what to look for, have a roofer provide a free inspection.

Here’s a list of common roof materials and what damage to look for:

Asphalt-shingled roofs: Look for loose, broken, or cracked shingles. Bubbling or blistering indicates moisture has penetrated the shingle. Any damaged shingles should be replaced immediately.

Wood shingles and wood shake roofs: Check for separated, broken, or cracked shingles. Damaged wood shingles can lead to expensive leaks if not replaced quickly.

Tile roofs: Look for broken or chipped tiles and separations between tiles where water might seep in. High winds can dislodge edge tiles, causing further damage.

Metal roofs: Look for dents from hail, signs of rusting, and any separations between panels that could cause leaks.

Flat roofs: Look for pools of water, indentations, and tears in seams. Ensure the drainage system is working correctly, as flat roofs don’t drain well (if at all).

Gutters, Vents, Skylights, and More

Roof issues aren’t limited to broken shingles or tiles. A damaged gutter or a broken seal around a skylight can lead to equally serious problems.

Look for loose or broken gutters.

Check for debris buildup that could lead to water pooling and eventual leaks.

Ensure seals around skylights, chimneys, and vents are intact to prevent water intrusion.

Assessing Wind vs. Hail Damage

Wind: Typically results in shingles being torn or lifted away from the roof.

Hail: Usually appears as marks or dings on asphalt shingles. It can weaken shingles, making them prone to leaks.

Check for Interior Damage

Once you’ve inspected the exterior, the next step in how to check for roof damage after a storm is examining the interior of your home for signs of leaks or structural issues.

Look for water leaks or soft spots in the attic ceiling.

Check along walls and ceilings for water stains or mold growth.

Check for peeling paint, sagging drywall or musty smells.

Inspect for new drafts or signs of animal activity near vents or openings.

Hire a Professional Roof Inspector

If you identify any roof damage or don’t feel comfortable using a ladder to access a complicated or tall roofline, call a professional roof inspector like Fortified Inspections. A professional can ensure a thorough assessment and show you how to check for roof damage after a storm properly.

We can inspect your roof for free to give you peace of mind and save money by identifying any damage early.

How Do I Know If My Roof Has Storm Damage?

Signs of wind damage: Lifted, curling or missing shingles, creased or folded shingles, damaged fascia board or soffits and loose flashing.

Signs of hail damage: Dents on shingles, bruised shingles or missing granules.

Signs of water damage: Leaks, mold, or rot. Interior walls may have water stains or peeling paint.

Does Homeowners Insurance Cover Roof Damage from Storms?

Most homeowners’ insurance policies include coverage for storm-related roof issues, but specifics vary by policy and the type of harm sustained. It’s important to review your policy carefully so you understand what’s covered.

Along the Gulf Coast, many insurers require a separate wind policy to cover losses caused by high winds. Depending on your home’s location, adding flood insurance may also be wise, as rising water and storm surge typically aren’t covered under standard homeowners’ policies.

Regardless of the cause, thorough documentation and a professional inspection can help streamline your claim. Take clear photos of any visible issues to submit as evidence. An insurance adjuster can assess your roof and verify the extent of the storm’s impact.

How to Protect Your Roof from Storm Damage

Regular maintenance and inspections are essential for keeping your roof in top condition. Clean your gutters, trim overhanging tree branches, and inspect shingles seasonally to catch minor issues before they turn into major problems.

Now is a great time to fortify your home against severe weather. Reinforcing your roof with FORTIFIED™ structural upgrades can significantly improve its resistance to high winds and storms.

Many homeowners may also qualify for the FORTIFIED™ roof insurance discount and a $10,000 grant for home improvement to help offset the cost of these improvements.

Home resilience upgrades include impact-resistant shingles, stronger underlayment, locked-down edges, wind-resistant attic vents, a sealed roof deck, reinforced flashing, chimney bracing, and pressure-rated garage doors.

The specific upgrades depend on the level of protection you choose, but each enhancement contributes to a stronger, more storm-ready home.

Protect Your Home with a Stronger, Storm-Ready Roof

Checking your roof after a storm is essential to prevent costly repairs. It also helps identify issues caused by a specific storm for insurance purposes.

Take proactive steps to protect your home and family, and if you suspect damage, contact a professional roofer for an inspection and consider upgrading to a FORTIFIED™ Roof for added security and peace of mind.