Guide
Storm damage and insurance claims: homeowner steps
Written by Ultra Power Construction. The credentials page states that this contractor is licensed and insured in New Jersey and lists GAF and Owens Corning programs. Updated 2026-09-25.
After wind, hail, or heavy rain, focus on safety, temporary protection, and clear documentation. This guide is general information for homeowners—not legal advice, and not a substitute for speaking with your insurer or a licensed public adjuster if you choose to hire one.
- Immediate safety and temporary protection
- Document before major permanent repairs
- Working with contractors and adjusters
Immediate safety and temporary protection
Stay off a damaged roof. Move belongings away from active drips, shut off electricity to wet areas if needed, and arrange a temporary tarp when it is safe to do so. Public severe-weather guidance emphasizes protecting people first, then limiting further water intrusion.
Document before major permanent repairs
Photograph rooms, ceilings, exterior planes, and collateral damage (gutters, screens, vehicles) with dates if possible. Keep receipts for emergency mitigation. Consumer and disaster-preparedness resources consistently recommend reporting damage promptly to your insurance company.
Working with contractors and adjusters
Ask for a licensed, insured contractor and a written scope. Be cautious of unsolicited storm-chaser pitches. Ultra Power can document visible roof damage and meet an adjuster on site when invited; we do not pretend to settle claims or act as your public adjuster.