Winter storms in Santa Cruz County can do serious roof damage. Here's exactly what to do if your roof takes a hit.
Step 1: Stay Safe
Never climb on a damaged roof. If you see significant structural damage or water pouring in, evacuate the affected area and call emergency services if needed.
Step 2: Document Everything
Take photos and videos of all visible damage — exterior and interior. Document the date and time of the storm. This is critical for insurance claims.
Step 3: Prevent Further Damage
If safe to do so, place tarps or buckets to catch water. Move valuables away from leak areas. Your insurance policy requires you to mitigate further damage — keep receipts for any emergency supplies.
Step 4: Contact Your Insurance Company
File a claim as soon as possible. Most policies have time limits for reporting damage. Have your policy number ready and share the documentation you've gathered.
Step 5: Get a Professional Inspection
Before accepting any insurance settlement, get an independent assessment from a licensed roofer. Insurance adjusters may miss hidden damage that a roofing professional will catch.
Step 6: Choose Your Contractor Carefully
After major storms, unlicensed "storm chasers" flood the area. Always verify licenses, insurance, and local references. A reputable local contractor will work with your insurance company directly.
We're Here to Help
Fassio Roofing has decades of experience handling storm damage claims in Santa Cruz County. We'll document the damage, work directly with your adjuster, and make sure nothing gets missed.