Storm Damage and Insurance Claim Checklist
A step-by-step checklist for Connecticut homeowners after wind, hail or ice damage. Document damage, file the claim, meet the adjuster and avoid storm chasers.
Call (860) 969-4006After a storm, document everything before you clean up, call your insurer, and get a registered local roofer to inspect the damage. Check off each step below so nothing slips through.
Signs of Storm Damage on a Connecticut Roof
- Missing, creased or lifted shingles after high winds.
- Dents in gutters, vents and downspouts after hail.
- Granules collecting in gutters or at downspout exits.
- Ice dams along the eaves and water stains on upstairs ceilings.
- Cracked or loose siding panels and broken window seals.
How to Spot a Storm Chaser
- They knock on doors right after a storm with out-of-state plates.
- They offer to cover your deductible. That raises fraud concerns with your insurer.
- They want you to sign an assignment of benefits on the spot.
- They have no local office or Connecticut registration number.
Water already coming in? Read how to fix a leaking roof from the inside while you wait for help.
Frequently Asked Questions
Should I call my insurance company or a roofer first?
Document the damage with photos, contain any leaks, then call your insurer to open a claim and schedule a free inspection with a registered local roofer.
Should my roofer meet the insurance adjuster?
Yes. A roofer on site points out damage the adjuster might miss and compares the estimate with a written damage report.
Is it legal for a contractor to cover my insurance deductible?
No reputable contractor should offer to waive or cover your deductible. Treat that offer as a red flag and talk to your insurer.
Sources
Last reviewed October 2026 by Adam H. Cooke, Premier Improvements.
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