Key points
- Wind-lifted or missing shingles
- Fallen limbs and impact damage
- Leaks after heavy rain
- Temporary weather protection
What to document
Record the date, interior water signs, visible exterior damage, and temporary steps taken to protect the property. Keep copies of invoices and communications. Do not discard damaged materials until you know whether the insurer needs to inspect them.
Contractor versus public adjuster
A roofing contractor can inspect, propose repairs, and perform contracted construction work. Do not assume a contractor can negotiate or represent your insurance claim; Maryland treats public adjusting as a separate licensed activity.
Avoid storm-pressure decisions
Verify the MHIC license, read the complete contract, understand cancellation rights, and avoid signing documents you believe are only inspection authorizations when they actually commit you to construction work.
Questions homeowners ask
Should I call a roofer or my insurer first?+
If the property is unsafe or water is entering, arrange safe temporary protection first. Then document the condition and follow your insurer's reporting instructions.
Can a roofer tell me whether insurance will pay?+
A roofer can document damage and price construction work, but the insurer determines coverage under your policy.