What to Do After a Storm: How to Protect Your Home and Your Insurance Claim

After a big Colorado storm — whether it’s hail, wind, or torrential rain — your first priority is safety. Your second? Protecting your home from further damage and making sure your insurance claim gets handled properly.

At MD Roofing, we’ve helped hundreds of Colorado Springs homeowners recover from storm damage. This post walks you through exactly what to do immediately after a storm to prevent further damage, protect your wallet, and avoid denied insurance claims.

🛑 Step 1: Don’t Ignore the Damage — Even If It Looks Minor
​Storm damage isn’t always obvious. A few missing shingles or a cracked window might not seem urgent, but they can:

• Let in water during the next rain
• Create mold or rot inside your attic or walls
• Lead to structural damage
• Give insurance companies a reason to deny or reduce your claim

​Tip: Damage that goes unrepaired is often considered “neglect” by insurers — which means they don’t have to pay for future repairs.

🔨 Step 2: Cover Any Exposed Areas Immediately
If you can see exposed decking, broken windows, or sections of siding or stucco missing, cover them as soon as it’s safe.
Use tarps, heavy-duty plastic, or plywood to temporarily seal up damaged areas.
Can’t do it yourself? MD Roofing provides emergency tarping and board-up services after every major storm in Colorado Springs. We can usually be there within hours.

📸 Step 3: Take Photos of All Visible Damage
Before any clean-up or repairs, take photos from ground level. Focus on:

• Shingles on the ground
• Visible roof or stucco damage
• Cracked windows
• Damaged gutters or siding
• Interior water stains or ceiling leaks

Photos help build your insurance claim and give you proof if damage worsens before your adjuster arrives.
Pro tip: Date-stamped photos + contractor documentation = faster approvals and fewer claim disputes.

🔍 Step 4: Schedule a Free Storm Damage Inspection
This step is critical — don’t call your insurance company first.

Call a reputable local contractor (like MD Roofing) for a free inspection. We’ll:

• Identify hidden or hard-to-spot damage
• Document everything in detail
• Provide a report to support your insurance claim
• Help you decide whether filing is worth it

We always recommend a professional inspection before calling your insurer. You don’t want a claim on your record if there’s not enough damage to justify it.

🏠 Step 5: Work With a Contractor Who Knows the Insurance Process
Not all contractors are created equal. Some just slap on shingles and disappear. Others — like us — walk through the entire process with you.
At MD Roofing, we:
✅ Handle insurance paperwork
✅ Meet with adjusters on-site
✅ Push back if parts of your claim are underpaid
✅ Restore your home’s roof, windows, stucco, siding, and more
You get a one-stop solution — and peace of mind.

🚫 Avoid These Common Mistakes That Can Jeopardize Your Claim
❌ Waiting too long to report or document damage
❌ Doing DIY repairs before documentation
❌ Hiring an unlicensed or out-of-town “storm chaser”
❌ Signing contracts before understanding your full scope of damage
❌ Assuming your insurance adjuster will catch everything

✅ We’re Local. We’re Licensed. We’ve Got Your Back.
​At MD Roofing, we’re not just another roofing company. We’re your full-service exterior storm restoration experts:

• Roofing
• Stucco
• Windows
• Painting
• Solar
• Garage Doors
• Gutters

We know the storms here in Colorado Springs. We know how to handle insurance. And we know how to protect your biggest investment — your home.

📣Storm just hit your neighborhood?
Get peace of mind and protect your home with a free, no-pressure inspection from MD Roofing.
📞 (719) 591-2142
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📍 Proudly serving Colorado Springs and surrounding areas