A bad storm just rolled through and you’re worried about your roof. Maybe you saw shingles in your yard, noticed a new leak, or just want to make sure everything is okay. Here’s exactly what to do — step by step — to protect your home and your insurance claim after storm damage in Rhode Island or Connecticut.
Step 1: Stay Safe — Don’t Go on Your Roof
We know it’s tempting to climb up and take a look, but your roof may be slippery, structurally compromised, or have sharp debris. Do not go on your roof after a storm. Leave the inspection to a licensed professional.
If you’re concerned about immediate water intrusion, look for signs from the inside — water stains on ceilings, dripping, or wet insulation in your attic. Place buckets where needed and move valuable items away from affected areas.
Step 2: Document Everything from the Ground
Before any cleanup, take photos and videos of everything you can see from the ground:
- Missing or damaged shingles
- Fallen branches or debris on the roof
- Dented or damaged gutters
- Any damage to your siding, windows, or other exterior surfaces
- The date and time (check your phone’s photo metadata)
This documentation is critical for your insurance claim. The more evidence you have, the stronger your claim.
Step 3: Call a Local Roofing Contractor First
This is the step most Rhode Island and Connecticut homeowners skip — and it costs them money. Before you call your insurance company, call a reputable local roofer for a free inspection. Here’s why:
A qualified roofing contractor will document all damage professionally, identify damage you might have missed (gutters, flashing, vents, siding), and can be present during the insurance adjuster’s visit to advocate for you. Homeowners who have a contractor at the adjuster inspection typically receive higher payouts than those who don’t.
AMP Roofing offers free storm damage inspections throughout Rhode Island and Connecticut. We’ll be on your roof same day or next day after a major storm.
Step 4: File Your Insurance Claim Promptly
Most homeowners insurance policies in Rhode Island and Connecticut require you to file a claim within a reasonable time after damage occurs — typically 1 year, but some policies are shorter. Don’t wait.
When you call your insurance company:
- Have your policy number ready
- Describe the storm event (date, type of storm)
- List the damage you’ve observed
- Ask when an adjuster can be scheduled
- Request your claim number
Step 5: Be Present (With Your Contractor) During the Adjuster Inspection
When the insurance adjuster comes to inspect your roof, have your roofing contractor there too. Adjusters work for the insurance company, not for you. Having an experienced contractor present ensures:
- All damage is properly identified and documented
- Nothing is overlooked or undervalued
- The scope of work accurately reflects what’s needed
- You have an advocate who understands roofing costs
AMP Roofing attends adjuster inspections with our customers at no charge. It’s part of our service, and it consistently results in better claim outcomes for the homeowners we work with.
Step 6: Review Your Claim Settlement Carefully
Once your claim is processed, you’ll receive a settlement document outlining what will be paid. Review it carefully with your contractor before accepting. Key things to check:
- Does the scope of work match what was actually damaged?
- Are the material costs accurate for current market prices?
- Is depreciation being applied fairly?
- Are there any items that were missed?
If the settlement seems too low, you can dispute it. AMP Roofing helps our customers navigate this process and has successfully appealed underpaid claims for Rhode Island and Connecticut homeowners.
Step 7: Schedule Your Roof Replacement
Once your claim is approved, it’s time to get your new roof on. AMP Roofing completes most Rhode Island and Connecticut roof replacements in a single day. We use premium GAF materials, clean up completely after every job, and back our work with a workmanship warranty.
Common Storms That Cause Roof Damage in RI and CT
Rhode Island and Connecticut homeowners face several types of storms that commonly cause roof damage:
- Nor’easters — powerful winter and spring storms with high winds and heavy snow or rain
- Tropical storms and hurricanes — RI’s coastal location makes it vulnerable during hurricane season
- Hailstorms — even small hail (3/4 inch) can cause significant shingle damage
- Ice storms — freezing rain coats roofs in ice, adding enormous weight and causing damage
- Severe thunderstorms — summer thunderstorms with high winds routinely cause shingle damage across CT and RI
Call AMP Roofing After Any Storm
AMP Roofing LLC responds quickly to storm damage calls throughout Rhode Island and Connecticut. Our free inspection is truly free — no pressure, no obligation — just an honest assessment of your roof’s condition and your insurance claim options.
We’ve helped hundreds of RI and CT homeowners navigate the insurance claim process and get the new roof they deserve. Call us at (401) 681-3123 or contact us online to schedule your free storm damage inspection.
We serve all of Rhode Island and Connecticut including Warwick, Providence, Cranston, Pawtucket, Newport, Hartford, Norwich, Colchester, New London, and 150+ additional communities.
