Home emergency playbook

Roof leaking during a storm

Conservative first steps for homeowners before cleanup, repair, or contractor dispatch. When safety is uncertain, leave and call first.

Immediate steps

  1. Move people and valuables away from the wet ceiling, skylight, chimney, or exterior wall line.
  2. Place buckets, towels, or a plastic bin under active drips and protect furniture with plastic sheeting.
  3. Check the attic only from a safe walkway and only when there is no lightning, high wind, or ceiling sag.
  4. Call a roofer after the storm eases; call restoration sooner if insulation, ceilings, or electrical fixtures are wet.

Do not do this

  • Do not climb onto the roof, set a ladder, or walk on wet decking during the storm.
  • Do not pull down a sagging ceiling or wet insulation while standing underneath it.
  • Do not staple tarps through shingles or flashing from an unsafe edge.

Who to call

  1. Call 911 if anyone is injured, trapped, in medical distress, or if fire, shock, collapse, or active crime is present.
  2. Call the utility emergency line before private repair when gas, electric service, public water, sewer main, or buried lines may be involved.
  3. Call a roofer for emergency tarp, flashing, roof-edge, siding-adjacent, or storm-damage repairs when access is safe.

Damage mitigation

  • Slide plastic over beds, electronics, and flooring, then put towels on top so drips do not splash.
  • If attic access is safe, place a shallow pan under the leak and keep it off drywall between joists.
  • Photograph the interior drip path, stained insulation, and exterior roof area from the ground after daylight.

Prevention

  • Inspect flashing at chimneys, valleys, skylights, and plumbing vents before storm season.
  • Keep attic insulation below roof vents and maintain ventilation so sheathing can dry.
  • Trim branches that rub shingles or drop debris into valleys and gutters.

Typical cost band

Usually moderate for temporary weatherproofing; high when roof decking, insulation, ceilings, or interiors are wet.

Insurance note

Wind or hail opening coverage differs from wear, flashing failure, and long-term seepage; document storm timing and roof photos before temporary tarping.

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