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Roof Inspection Checklist for Post‑Storm Insurance Claims

Escandon Roofing | Roof Inspection Checklist for Post‑Storm Insurance Claims

Frequent wind and hail storms are a part of life in El Paso. These weather events can strike fast—and their impact on roofs often goes unseen until it becomes costly. Hidden damage may lead to leaks, mold, or structural issues if it’s not addressed early. Since many insurance policies require damage to be reported within a limited window after a storm, prompt inspection is essential both for safety and claim eligibility.

Step 1: Perform a Visual Ground‑Level Check

Look for shingle pieces, flashing, or gutter debris on the ground

After a storm, start by walking around your home perimeter. Fallen granules, broken shingle fragments, or pieces of flashing can be visual indicators of roof wear or impact.

Check for fallen branches or visible holes from outside

Large branches or impact marks—especially near vents, ridges, or gutters—may signify areas where shingles or underlayment have been compromised. A visual exterior scan helps identify obvious damage zones.

Caution: Never climb the roof yourself

Slippery surfaces, high winds, or recent damage may make roof surfaces unsafe. Avoid climbing to inspect yourself. Leave that step to professionals trained with proper safety protocols and equipment.

Step 2: Inspect Interior Signs of Roof Damage

Ceiling water stains, bubbling paint, or musty odors

The interior often reveals the earliest signs of roof leakage—darkened drywall, bubbling or peeling paint, and persistent odors suggest moisture intrusion that needs immediate attention.

Check attic for damp insulation or daylight through the roof

Inspect your attic for wet or clumping insulation and any daylight peeking through roof decking. These are critical signals of a compromised roof that can spread mold or rot if unaddressed.

Early interior signs that signal larger structural issues

Relying only on exterior clues can miss internal damage. Interior signs—especially in your attic or upper ceilings—often precede major structural issues. They provide strong evidence when filing a claim.

Step 3: Schedule a Professional Roof Inspection

Why insurers require a licensed roofer’s report

Most insurers require documented assessments from certified roofers before approving storm damage claims. A licensed report offers credibility and detail that a simple homeowner assessment cannot provide.

What Escandon Roofing looks for in storm damage inspections

Experienced inspectors evaluate shingle integrity, flashing, vents, gutters, the underlayment, decking damage, and overall roof structure—paying particular attention to El Paso’s common climate threats like hail pitting or wind lift.

Photos, drone footage, and written documentation for claims

Capturing drone or aerial images adds perspective on damage, especially in hard-to-reach spots. A comprehensive report combines visuals with detailed observations to substantiate claims thoroughly.

Roof Inspection Checklist: What Your Roofer Should Review

Shingle condition (cracks, curling, missing tabs)

Inspectors examine for fractures, curling edges, blown-off shingles, or granule loss. These signs reveal wind or hail impact and can indicate localized or widespread damage.

Flashing, fascia, gutters, and soffit integrity

Damage often extends to roof edges or joints. Torn or lifted flashing, bent gutters, warped fascia, or damaged soffit may allow water ingress if not properly addressed.

Hail dents on vents, skylights, and metal panels

Metal roof elements often bear visible hail damage—especially vents, skylights, or fascia panels. Even small dents can lead to seal failure or rust over time.

Moisture under layers or insulation near leak sites

Inspectors probe beneath roofing material and examine attic sections near stains to test for dampness or decay in decking—evidence that insurance claims often require.

Claim Submission Tips to Streamline the Process

How to gather and organize photo documentation

Keep timestamped images sorted by area—roof deck, basement, attic, interior ceilings. Annotate them with notes describing what you see. This organized approach makes adjuster review smoother.

Get multiple estimates—but choose a trusted local roofer

Request damage assessments from reputable local roofers. While multiple quotes help ensure fair estimates, choose someone licensed, familiar with El Paso codes, and trusted for storm repairs.

Keep a repair timeline for insurance adjusters

Document every inspection, tarp installation, or repair action with dates and receipts. A clear timeline shows diligence and helps justify urgent emergency repairs.

Working With Insurance Adjusters in El Paso

What to expect during the inspection process

Adjusters typically inspect damage onsite. Be prepared to walk through areas with them and share your documentation. Presenting your roofer’s report and photos helps ensure adjusters do not miss subtle signs of damage.

How Escandon Roofing supports you during adjuster visits

Escandon Roofing can accompany adjusters, explain technical damage details, and advocate for full coverage. They help homeowners negotiate fair outcomes rather than leaving outcomes to chance.

Making sure nothing is overlooked in your claim

With insurance visits often brief, having a detailed roofer’s checklist ensures that subtle damage zones—like flashing, decking, or near ridge vents—aren’t overlooked during the review.

Timely Repairs: Why You Shouldn’t Wait

Prevent mold, further leaks, and structural rot

Prompt repairs prevent ongoing water intrusion, which can lead to mold, rot, insulation damage, and compromised structural elements—not to mention escalating repair costs.

Insurance penalties for delayed action

Insurance companies may reduce or deny coverage if excessive delay is seen to have caused additional damage. Acting quickly helps preserve coverage eligibility.

Escandon Roofing’s rapid repair scheduling and warranty-backed work

El Paso homeowners benefit when a trusted roofer offers emergency repairs, fast scheduling, and warranty-backed work—ensuring timely repairs and dependable.

Why El Paso Trusts Escandon Roofing for Storm Damage Inspections

Decades of service in local storm recovery

With over 35 years serving El Paso, Escandon Roofing understands regional storm patterns, local code requirements, and real-world damage scenarios—delivering reliability when it matters most.

Insurance claim assistance from start to finish

From initial inspection through adjuster support to final repairs, Escandon manages every step—helping simplify the process so homeowners can focus on getting life back to normal.

Free inspections, fast estimates, and honest advice

They offer complimentary roof assessments, clear timelines, and transparent estimates—without upsell pressure—giving peace of mind when the unexpected happens.

Conclusion: Your Roof, Your Claim, Your Peace of Mind

Storm damage to your roof deserves immediate attention—for both safety and insurance compliance. Begin with a ground-level inspection, check for interior warning signs, schedule a licensed roofer, and document everything thoroughly. Then, file your claim promptly; don’t wait.

Whether it’s a minor repair or full roof restoration, the right preparation—backed by local experts—delivers faster claims, stronger protection, and more confidence in recovery. You don’t have to navigate post‑storm stress alone.