Emergency Storm Guide

Storm Hit Your Roof?
Here's What to Do.

Don't panic. Don't sign anything yet. Follow these steps to protect your home and your insurance claim. Free 24/7 emergency inspections available.

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Emergency Response
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Storm Inspections
Drone
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Step by Step

What to Do After Storm Damage

Follow this timeline to protect your home and maximize your insurance claim.

First 24 Hours

Stay Safe & Document

Do not climb on your roof. Photograph any visible damage from the ground — missing shingles, dented gutters, fallen debris. Check inside for water stains on ceilings and walls. Save everything for your insurance claim.

24–48 Hours

Call Your Insurance Company

Report the damage within 48 hours. Ask about your deductible, whether your policy is ACV or RCV, and the timeline for sending an adjuster. Do not authorize permanent repairs until the adjuster inspects.

Within 1 Week

Get a Professional Inspection

Have a licensed contractor inspect your roof. A drone inspection catches damage an adjuster might miss — hail strikes, cracked flashing, compromised underlayment. Get a written damage report and detailed estimate.

Schedule Repairs

Review Estimate & Repair

Compare the contractor's scope with your insurance estimate. If there's a gap, your contractor should submit a supplement. Once approved, schedule the repair and make sure it comes with a manufacturer warranty.

Storm damage to roof
What to Look For

Signs of Storm Damage

Missing or Cracked Shingles

Wind lifts and breaks shingles. Look for bare spots or pieces in the yard.

Dented Gutters & Vents

Hail dents metal. Check gutters, downspouts, vents, and AC units.

Granule Loss in Gutters

Black granules in gutters mean shingles are losing their protective coating.

Water Stains Inside

Brown spots on ceilings or walls mean water is already getting through.

Dented Siding or Cracked Chimney

If siding and chimney are hit, the roof almost certainly took damage too.

Know Your Policy

Understanding Insurance Claims

The difference between ACV and RCV can mean thousands of dollars. Here's what you need to know.

RCV — Replacement Cost Value

Pays the full cost to replace your roof with equivalent materials and labor, minus your deductible. The best policy type for homeowners — you recover the depreciation once repairs are complete.

Recommended

ACV — Actual Cash Value

Pays replacement cost minus depreciation. On a 15-year-old roof, this could mean insurance only covers 40–50% of the total cost. You pay the difference out of pocket.

Check Your Policy
Recoverable depreciation: With an RCV policy, your insurer initially pays ACV. After you complete repairs and submit the final invoice, they release the remaining "recoverable depreciation." Alamo helps you document everything needed to recover the full amount.
How We Help

Alamo Handles the Hard Part

We've navigated hundreds of storm claims. Here's what we do that most contractors don't.

Drone roof inspection
01

Free Drone Documentation

Our commercial drones capture every square foot of your roof in high resolution. We produce a professional damage report with annotated photos that your insurance company takes seriously. This is included free on every storm inspection.

Residential roofing project
02

Adjuster Meeting & Supplements

We meet your insurance adjuster on-site, walk them through every documented item, and make sure nothing gets missed. If the initial estimate falls short, we prepare and submit supplemental claims — something most contractors won't do.

Roof replacement in progress
03

GAF Warranty Repair

Your storm repair is installed to GAF Master Elite standards and eligible for a Golden Pledge warranty — 50-year materials, 25-year workmanship, backed by North America's largest manufacturer. Not just a patch job.

Watch Out for Storm Chasers

After every major storm, out-of-state contractors descend on affected areas. Many are unlicensed, uninsured, and will disappear before your warranty matters. Offering to "waive your deductible" is insurance fraud — and it puts you at legal risk. Watch for these red flags:

Door-to-door solicitation right after a storm
Pressure to sign a contract immediately
Offers to waive or cover your deductible
No local address, license, or verifiable reviews

Don't Wait — Storm
Damage Gets Worse

Unrepaired damage leads to leaks, mold, and denied insurance claims. Free emergency inspection — call now.

(219) 248-2194
24/7 Emergency Response Available
Mon–Fri 8AM–5PM · Sat 9AM–3PM · After-hours emergency line always on