Roof damage outside. A recovery plan inside.

Record where the leak appeared

A leak noticed after a storm needs a property-specific review. Describe the room, ceiling or wall where you saw water, the time it began, whether it continued after rainfall, and any safe photographs you already have. Timing alone does not prove the roof cause or an insurance-covered loss.

• Affected rooms and floors, with dates and observations
• Roof material and approximate age if known
• Existing inspection notes and photographs
• Temporary protection already authorized

Separate roof work from interior work

A roof repair or replacement proposal may leave out ceiling, wall, insulation, flooring or contents restoration. Ask each provider to define the areas included and coordinate the transition between exterior protection and interior assessment. Give reviewers a list of the companies already involved so they do not assume the entire project is unassigned.

Bring the unknowns into the proposal

A visible stain does not establish the extent of hidden damage. Ask who inspects the affected areas, documents findings and requests approval before opening finishes or adding work. For a large home, identify specialty finishes, built-ins and access restrictions that could change the reconstruction scope. Do not climb onto a roof or enter unsafe areas to gather details.

Prepare your next conversation

Use the recovery planner to organize the loss type, city, affected area and help needed. Keep original reports and receipts separately. Request provider review only if you want an introduction; availability is reviewed for your location and scope. The planner does not diagnose a leak, authorize construction or determine insurance coverage.