Storm Damage Roof Repair by Type of Damage
Each kind of storm leaves its own marks. Knowing which one hit the roof tells the roofer where to look and tells the adjuster what caused it. Hail is covered on hail damage roof repair.

Wind Damage (Creased and Blown-Off Shingles)
The National Weather Service counts a thunderstorm as severe once winds reach 58 mph. Wind damage starts at the edges: the rakes, the eaves and the ridge, where uplift is strongest. Look for a straight crease across a tab that flapped and then lay back down. From the ground the roof can look fine, which is why wind damage gets missed until the next storm finishes the job. A shingle's wind rating is printed on the wrapper. ASTM D3161 Class F is tested at 110 mph, and ASTM D7158 Class H is rated for a 150 mph basic wind speed. That tells you what a replacement shingle is built for.

Ice Storm and Heavy Snow Damage
Freezing rain coats everything and adds weight to gutters, which can pull their hangers out of the fascia. Heavy wet snow drifts against chimneys and dormers and sits there for weeks. Snow damage is often slow. A deck that sags between rafters, cracked ridge boards, or a leak that starts days later when the drift melts. Ice dams, where meltwater refreezes at the eave and backs up under shingles, are a separate problem with a separate fix: see ice dam removal.

Fallen Limb and Debris Damage
A large limb can punch through the deck. A smaller one leaves scuffs, cracked tabs and dented vents that are easy to miss from the ground. After the branch is off, the roofer checks the decking underneath from the attic for cracks or a split rafter, because a dented-in deck under intact shingles can still leak later. If a tree is still on the roof or wires are down, that's an emergency roof repair, and the utility comes first.

Storm Damage Inspection and Photo Documentation
A storm inspection covers every slope, including the ones on the sheltered side. The roofer marks damage with chalk, photographs it next to a tape measure, and notes the date and which slopes were hit. The attic gets checked for new light, wet spots and cracked boards. You should get the photos and a written list of findings, not a verbal "you need a new roof". Photos taken soon after the storm, before any repair, are what an adjuster can match to a weather date.

Insurance Claim Support
Claim support is paperwork. The contractor can provide the photo report, a line-item repair or replacement scope, and measurements, and can be on site when the adjuster inspects so both look at the same damage. Whether your policy covers the loss, and how much it pays, is decided by your insurer under your policy. No roofer, and nobody on this site, can promise coverage.

Why Southfield homeowners call Southfield Elite Roofing
- Free roof inspection
- Written scope and price before work starts
- One local roofing contractor per request
- Southfield homes and buildings only
- No fee for homeowners
Storm Damage Roof Insurance Claims in Michigan
The Michigan Department of Insurance and Financial Services (DIFS) publishes a consumer guide to homeowners claims. In order:
- 1
Notify Your Insurer Soon
DIFS lists notifying your insurer or agent as soon as possible as the policyholder's first duty after a loss.
- 2
Document Before Repairs
DIFS advises photos or video of the damage, temporary repairs such as a tarp, and no permanent repairs until the insurer has inspected or told you to go ahead.
- 3
Proof of Loss Within 30 Days
Under DIFS's summary of the Michigan Insurance Code, the insurer must tell you within 30 days of the claim what information it needs as proof of loss.
- 4
Payment Within 60 Days
The insurer must pay within 60 days of receiving proof of loss. After that the claim is overdue and earns 12 percent simple interest.
- 5
Complaints Go to DIFS
If you think a claim is being delayed or unfairly denied, DIFS asks you to try the insurer first, then file a complaint with DIFS.
Storm Damage Roofers at the Door: What Michigan Law Says
After a big storm, roofing crews knock on doors. Before you sign anything a stranger hands you on the porch:
Three business days to cancel
Michigan's Home Solicitation Sales Act lets you cancel a sale signed at your home until midnight of the third business day after signing. The contract must say so in writing.State license
Contractors doing $600 or more of work must be licensed by LARA. Look them up on LARA's license search.City permit
Southfield requires a permit for a re-roof. Ask who pulls it.No coverage promises
A roofer who guarantees your insurer will pay is promising something only the insurer decides.No deductible games
Be wary of anyone offering to "cover" or waive your deductible. Ask your insurer before agreeing to it.
