First 30 minutes
- Keep people and vehicles away from loose tiles, masonry and gutters
- Do not climb onto the roof
- Stay clear of bulging ceilings
- Isolate affected electrics only if it is safe
- Move possessions and use containers without standing below unstable finishes
Build an evidence file
- Photograph the exterior from ground level
- Record internal water paths and damaged contents
- Keep the date, approximate time and weather conditions
- Save emergency invoices and messages
- Retain the insurer's claim reference and instructions
Temporary versus permanent work
Emergency work should make the property reasonably safe and limit further damage. Unless immediate safety requires more, avoid committing to irreversible replacement before the insurer has given instructions. Keep temporary work clearly itemised.
What insurance may not cover
Home insurance is not a maintenance contract. Policies commonly distinguish sudden storm damage from wear, deterioration and poor maintenance; the individual policy and evidence control the outcome.
What your quotation should confirm
- Cause and extent described factually
- Before-and-after photographs
- Temporary work separated from permanent repair
- Itemised materials and labour
- Any pre-existing deterioration recorded honestly
Useful primary sources
These links provide regulatory, trade-body or manufacturer information. Product guidance does not replace a property-specific specification.
What to check next
- Do not climb onto a storm-damaged roof
- Keep receipts and photographs
- Separate emergency mitigation from permanent repair
When should you ask a roofer to inspect it?
Use urgent help for loose coverings, unstable masonry, water near electrics or a saturated ceiling. Photograph conditions from a safe position before and after temporary work, keep receipts and contact the insurer before irreversible replacement unless safety demands immediate action.
Safety first: do not climb onto a roof without suitable access, training and protection. Keep clear of loose coverings, unstable ceilings and water near electrical fittings.
Would you like a property-specific answer?
Request an inspection and written quotation from J&L Welch.
No deposit is required. Payment is due on completion within seven days, with the agreed scope and price confirmed in writing.