Start with people and immediate hazards. Follow local emergency instructions and wait until conditions are safe before viewing the exterior. Stay clear of downed lines, unstable trees, damaged roofs, and standing water that may contain electrical or other hazards.
Report the loss promptly
If you intend to make an insurance claim, contact the insurer without waiting for a complete contractor inspection. Ask about reporting deadlines, required documentation, and temporary measures to prevent further damage. The Minnesota Department of Commerce residential claim guide is a useful starting point.
Make a record by location
Photograph visible roof, siding, window, and gutter changes from safe positions. Note the event date and when you first observed each issue. Keep earlier photos, repair records, receipts, and correspondence together. Do not put yourself at risk to obtain a close-up.
Arrange protection and an inspection
Ask an appropriately equipped professional to handle roof access, unstable materials, and temporary exterior protection. For flooding, contaminated water, electrical concerns, or structural damage, use the relevant specialist. An exterior roofing inspection does not replace those assessments.
Compare the written scopes
Keep the contractor’s inspection findings and the insurer’s estimate side by side. Identify questions by location and material, and request explanations of missing or different items. Confirm who is responsible for each trade and how concealed damage will be addressed.
Keep the final records
Save approved changes, invoices, completion photos, and written warranty documents. Ask your insurer what it requires for any remaining claim payment. Coverage and payment depend on the policy and claim decision. Explore exterior storm restoration with Smart Builders.