Direct answer
The practical answer first.
Protect people first, move belongings away from water, contain dripping water when it is safe, document visible damage, and call a qualified roofer. Do not climb onto a wet or storm-damaged roof. Temporary protection should prevent further damage without hiding evidence your insurer may need.
Published 2026-07-25. Reviewed by Rooftop Heroes Roofing. General homeowner information only; insurance coverage and repair needs depend on the property and policy.
What not to do
Do not walk on a wet roof, puncture a sagging ceiling while standing underneath it, or sign a rushed repair agreement from an unsolicited contractor. Never allow anyone to promise that insurance will definitely pay before the policy and damage are reviewed.
What a roofer should document
A useful emergency inspection should identify the likely entry point, affected roofing components, temporary stabilization needs, interior moisture signs, photographs, and a written next-step recommendation.
Sources and further reading
Authoritative homeowner resources.
These links are provided for consumer education. Rooftop Heroes Roofing is not affiliated with these agencies.