If wind blows shingles off your roof, you should take immediate steps to prevent further damage and protect your insurance claim. First, ensure safety and do not climb on the roof during high winds or wet conditions. From the ground, take clear photos and videos of missing shingles, any shingle pieces on the ground, and any interior leaks for documentation. Second, mitigate further water damage by covering exposed areas with a temporary tarp. Use a heavy-duty 6-mil tarp large enough to extend 3 to 4 feet beyond the damaged area and over the ridge, securing it with 2x4 lumber rather than nailing through the tarp field, which creates more leaks. If you cannot safely tarp, call a professional roofing company that offers emergency tarping service, which typically costs 200 to 500 dollars and is often reimbursable by insurance. Third, prevent interior damage by placing buckets under active leaks and moving valuables. Fourth, contact your homeowner's insurance company promptly to file a claim, providing your documentation and keeping receipts for emergency repairs. Fifth, contact a reputable licensed roofing contractor for an inspection and written estimate for permanent repair. Avoid storm chasers demanding large deposits. Do not authorize permanent repairs until an adjuster has inspected unless it is an emergency to prevent further damage, as required by your duty to mitigate clause.
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