Chelsey Roney

Multi-time founder building community-driven tech tools and business solutions.

The best restaurants in Chicago

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1. Burger Bar & Grill

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2. Eagle French Cafe

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3. L’ardoise Bistro

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4. Anchor Seafood Market

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Emergency Roof Repair: What to Do and Who to Call

When your roof is suddenly compromised by a storm, fallen tree, or unexpected leak, acting quickly can be the difference between a minor inconvenience and thousands in structural damage. This guide walks homeowners and property managers through what to do when facing an emergency roof situation, how to assess the damage, and how to choose a trustworthy contractor.

Step 1: Ensure Safety First

If your home is actively leaking or has sustained major damage, do not climb onto the roof yourself. Downed power lines, unstable decking, or wet surfaces can make it extremely hazardous. Instead:

Move people and valuables away from the affected area
Use buckets or tarps indoors to contain leaks
Shut off electricity in impacted zones if water is present near outlets

Step 2: Document the Damage

Take detailed photos and videos of both interior and exterior damage as soon as it’s safe to do so. This documentation will be essential for:

Insurance claims
Contractor assessments
Comparing before/after repairs

Include images of roof shingles, gutters, ceilings, insulation, and any debris. If you have a drone or can hire someone to provide aerial footage, that’s even better.

Step 3: Contact Your Insurance Provider

File a claim as soon as possible. Most homeowners insurance policies cover roof damage caused by:

Wind or hail storms
Fallen trees or branches
Fire

However, normal wear and tear or long-term neglect typically won’t be covered. An insurance adjuster may visit your home to inspect the damage and determine coverage eligibility.

Step 4: Call an Emergency Roofing Contractor

Choose a contractor with specific emergency response experience. Look for:

24/7 availability
Local licensing and insurance
Temporary tarp or patching services
Familiarity with insurance processes

Ask if they can provide a temporary fix immediately, then follow up with a permanent repair once weather permits.

Step 5: Understand Temporary vs. Permanent Repairs

Temporary repairs may include:

Tarping the roof
Sealing holes with roofing cement
Securing loose shingles or flashing

Permanent repairs could involve:

Shingle or panel replacement
Rebuilding structural supports
Gutter or fascia board replacement

Get a written estimate and scope of work before authorizing major repairs.

What Causes Emergency Roof Situations?

Some of the most common culprits include:

Severe windstorms: Can rip off shingles and expose underlayment
Hail: Causes impact damage and granule loss
Ice dams: Trap water under shingles during freeze/thaw cycles
Fallen trees or limbs: Can punch holes in decking or framing
Poor previous installation: Leads to premature failures when stressed

Emergency Roofing Costs

Costs can vary depending on materials, severity, and time of service (night/weekend work may cost more):

Emergency tarping: $200–$1,000 depending on roof size
Minor leak repair: $300–$750
Shingle or panel replacement: $500–$1,500
Full emergency roof replacement: $5,000–$15,000+

Most emergency contractors will provide a temporary fix immediately and then submit a proposal for the full repair once the roof is stable and inspected.

Case Study: From Leak to Full Roof Replacement

Let’s walk through a real-world scenario:

On a rainy March morning in Portland, a homeowner noticed water leaking through a light fixture in the kitchen. They quickly shut off the electricity and placed buckets under the drip. After confirming the damage was storm-related, they contacted their insurance provider, who opened a claim. That same day, a 24-hour roofing service arrived, installed a tarp over the damaged section, and took aerial drone photos for documentation.

The contractor worked with the insurance adjuster to assess the claim, and within 72 hours, the homeowner received approval for a full roof replacement due to widespread wind damage. Materials were ordered, and within a week, the home had a brand-new, upgraded composite shingle roof—all with the homeowner paying only their deductible.

This example underscores the value of fast action, detailed documentation, and working with a reputable contractor familiar with insurance processes.

Working with Water Mitigation and Restoration Teams

In severe emergencies, especially those involving extended water intrusion, roofing companies often collaborate with water mitigation or restoration specialists. These professionals focus on preventing mold, drying out interiors, and repairing water-damaged ceilings, insulation, or drywall.

Some roofing contractors offer these services in-house, while others partner with restoration firms to deliver coordinated service. If water has saturated attic spaces or ceiling cavities, ask whether the roofer can:

Bring in dehumidifiers or drying equipment
Test for moisture behind walls or under flooring
Provide mold remediation or refer you to a certified firm

Coordinating roof repair and interior restoration through one team can save time, reduce billing confusion, and ensure nothing is missed in the remediation process.