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SafetyDanger now? Keep clear and call your emergency service.If there is immediate danger (downed lines, gas smell, structural damage), keep clear and contact the appropriate emergency service.

How inspection works

Inspect, document, decide

A roof inspection is a record of what is there, in writing. It is a step toward a decision, not the decision itself.

The sequence

Three stages, in order

Inspect

A roof-level look, slope by slope.

  • Every slope is walked or reviewed where it is safe to do so, so nothing is judged from a single patch.
  • Photographs are tied to a location on the roof, so a finding can be found again.
  • The attic and ceilings below are checked with your permission.
  • Where a roof is unsafe to walk, the limits of the inspection are written down.

Document

Findings written in plain language.

  • What was seen, where, and what it is consistent with: hail, wind, impact, water, age or wear.
  • Photos with captions, not a folder of unlabelled images.
  • A clear line between what was observed and what is an opinion.
  • Anything we could not check, and why.

Decide

Options in writing, then your call.

  • A written scope covering repair and, where reasonable, replacement.
  • You can share the findings with your insurer if you choose to make a claim.
  • Nothing starts until you agree to the scope in writing.
  • You can ask questions, get another opinion or do nothing.

On the roof and inside

What an inspection looks at

Shingles

Bruising and granule loss, fractures, creased or lifted tabs, missing pieces, sealant bond along edges, and signs of wear that predate the storm.

Flashing

Chimney, wall and valley flashing for dents, lifted edges, gaps and failed sealant. Flashing is a common route for water.

Vents and penetrations

Roof vents, plumbing vent boots, exhaust caps and skylights for dents, cracked rubber and displacement.

Gutters and drainage

Dents, separation from fascia, blocked outlets and granules that point to surface wear. Fascia and soffit nearby.

Decking indicators

Soft or spongy areas, sagging between rafters, and fasteners that have worked loose. These suggest deck damage that may need a closer look.

Attic signs

Daylight where there should be none, damp or flattened insulation, staining on the underside of the decking, and rusty nail tips.

The written scope

What a written scope contains

You should be able to read the scope without us in the room. If a line is unclear, we will explain it.

A scope describes work. It is not an insurance estimate, and it does not tell your insurer what to pay.

Sample scope outline Illustrative

  1. Property details and date of inspection
  2. Storm information as reported by the homeowner
  3. Roof description: type, slopes, pitch and visible condition
  4. Findings by slope and by component, each with photo references
  5. Interior and attic observations, where access was given
  6. Recommended work, with repair and replacement options where reasonable
  7. Items included and items excluded from the scope
  8. Limits of the inspection and anything not checked
  9. Acknowledgement that coverage is decided by the insurer

Keep these apart

Assessing damage is not approving coverage

Assessing damage

What Stormguard does

  • Looks at the roof and records what is visible
  • Says what the evidence is consistent with
  • Describes work that would address it
  • Gives you the paperwork to read and share

Approving coverage

What only your insurer does

  • Reads your policy and its terms
  • Decides whether the loss is covered
  • Applies your deductible
  • Decides what is paid, and tells you why

We do not promise approval, we do not offer a free roof, and we do not decide claims. Damage we find may or may not be covered under your policy. Ask your insurer.

Ready for a clear, written next step?

Request an inspection and get findings you can read, question and keep. You decide what happens next.

Request an inspection