High winds are one of the leading causes of roof damage in Minnesota, yet many homeowners don’t notice the problem until weeks or even months later—when leaks, water stains, or higher energy bills start showing up. By that point, what could have been an easy fix may turn into a costly repair.

That’s why documenting roof damage right after a windstorm is so important. Not only does it help keep your home safe, but it also ensures you have the proof you need if you file an insurance claim. At Right Now Roofing and Restoration, we’ve helped countless homeowners navigate this process—and we’re here to break down everything you need to know.

Why Documenting Roof Damage Matters

When high winds roll through, documenting roof damage quickly and accurately matters for three key reasons:

– Insurance claims – Proper documentation increases the likelihood of your claim being approved and helps avoid disputes with your insurance provider. Without proof, you may be stuck covering repair costs yourself.

– Safety concerns – Wind damage often goes unnoticed. Missing shingles, cracked flashing, or loose roof structures can quickly lead to leaks, mold, or even structural compromise.

– Resale value – A home with well-documented repairs maintains its value. If you decide to sell your property in the future, having a clear record of professional roof maintenance builds trust with buyers.

Safety First: Before You Inspect

Before you grab your phone and start snapping photos, remember that safety comes first.

– Stay on the ground for your initial inspection. A pair of binoculars can help you spot lifted or missing shingles without climbing a ladder.
– Avoid climbing onto a wet or unstable roof. Wind damage often weakens roofing materials, making it dangerous to walk on.
– Call a professional roofer if you notice serious or widespread damage. Roofers have the tools and training to safely inspect areas you can’t reach.

Step 1: Take Clear, Detailed Photos

Your phone is your best friend after a storm. High-quality images provide undeniable evidence for your insurance company.

– Take wide shots of the entire roof from different angles.
– Snap close-ups of missing shingles, debris, or visible cracks.
– Capture surrounding damage, such as broken fences, fallen trees, or siding damage.
– Make sure your photos are date-stamped. Most smartphones do this automatically, but double-check.

Pro Tip: Take photos in good lighting and from multiple angles. The more evidence you collect, the stronger your case will be.

Step 2: Look for Common Signs of Wind Damage

Even if your roof looks fine from the ground, subtle signs of damage may still be present. After high winds, keep an eye out for:

– Missing or lifted shingles – This is one of the most common indicators of roof damage.
– Granule loss – Check gutters and downspouts for small granules from asphalt shingles.
– Damaged flashing – Look around chimneys, skylights, and vents.
– Fallen debris – Branches, limbs, or other objects may have left dents or punctures.
– Indoor warning signs – Water stains on ceilings, bubbling paint, or drafts are often linked to roof issues.

Step 3: Keep Written Notes

Photos are powerful, but written notes can tell the story in more detail.

– Record the date and time of the storm.
– Write down what you noticed during and after the storm (e.g., “Heard shingles flapping on the west side of the house”).
– Note any temporary fixes you performed, such as placing a tarp.
– Save receipts for supplies, temporary repairs, or cleanup costs.

This written record makes your insurance claim much stronger.

Step 4: Contact Your Insurance Company

Once you have your photos and notes, contact your insurance provider.

– File your claim as soon as possible.
– Provide all supporting evidence—photos, notes, and receipts.
– Ask about next steps and whether they require a professional roof inspection.

Insurance adjusters often look for reasons to minimize claims. Thorough documentation gives you leverage and ensures you’re treated fairly.

Step 5: Schedule a Professional Roof Inspection

Even the best DIY inspection can miss hidden damage. That’s why hiring a professional is crucial.

At Right Now Roofing and Restoration, we offer comprehensive inspections after storms. Our team knows how to spot damage that’s easy to overlook, such as subtle flashing issues, sealant cracks, or underlying water penetration.

We also provide detailed inspection reports, which can be shared directly with your insurance adjuster. This not only speeds up your claim but also helps ensure your roof gets the repairs it truly needs.

Preventative Steps for the Future

Minnesota homeowners know storms are inevitable—but you can take steps to reduce the risk of future roof damage:

– Schedule regular roof inspections – Catching small issues before they escalate saves money in the long run.
– Trim trees near your home – Overhanging branches are a major hazard during high winds.
– Keep gutters clean – Clear gutters prevent water backup and roof deterioration.
– Reinforce vulnerable areas – Ask your roofer about wind-resistant materials and upgraded flashing.

FAQs

Will my insurance cover wind damage?
Most homeowner’s insurance policies cover wind damage, but coverage depends on the extent of damage and your deductible. Documentation is key.

What if I don’t see visible damage?
Hidden issues are common. Always schedule a professional inspection after strong winds, even if your roof looks fine.

Can I make temporary repairs myself?
Yes—but do so safely. Using a tarp to prevent water intrusion is fine, but avoid climbing on the roof. Call a professional for permanent fixes.

Conclusion: Protect Your Home and Your Wallet

High winds can do more damage than you think. By documenting issues immediately, you protect your home, strengthen your insurance claim, and ensure that repairs happen before small problems turn into big headaches.

At Right Now Roofing and Restoration, we specialize in helping Minnesota homeowners recover quickly after storms. Whether you need a free inspection, help with insurance claims, or emergency repairs, our team is ready to assist.

Call us today for a free roof inspection and storm damage consultation.

Justin Hansen

Justin Hansen is a seasoned professional in the roofing and siding industry, boasting over 15 years of hands-on experience. Starting his career in residential roofing, Justin quickly established a reputation for meticulous attention to detail and superior craftsmanship. His commitment to quality and excellence propelled him into more complex commercial projects, where he consistently delivered outstanding results.