Roofing Guide · Updated November 2026
Wind, hail and fallen trees are the most common causes of sudden roof damage in Montgomery County. Most homeowners policies cover sudden storm damage, but how you handle the first few days makes a big difference to your claim.
Call (610) 831-3192Stay off the roof. If water is coming in, move belongings, catch drips and call for emergency tarping. Most policies expect you to take reasonable steps to prevent further damage, and the cost of tarping is often part of the claim. Keep receipts.
Report the claim promptly. Ask about your deductible (some policies have a separate wind or hail deductible) and whether you have replacement cost or actual cash value coverage.
Having the roofer present helps make sure every damaged area is noted, along with code-required items such as drip edge and ice-and-water shield. If the estimate misses damage, the contractor can submit a supplement.
After big storms, out-of-area crews knock on doors. Hire a Pennsylvania-registered home improvement contractor with local references and insurance, never pay in full up front, and read anything that assigns your insurance benefits before you sign.
It depends on your policy. Report damage as soon as you can, because delays make it harder to prove the storm caused it.
It can, depending on your insurer and claim history. Your agent can explain how a claim may affect your policy.
It depends on the extent of damage, whether matching shingles exist, and your policy. Adjusters often approve full slopes or full replacement when damage is widespread.
Free inspection and written quote from a local Montgomery County roofer. Emergency tarping and leak calls answered 7 days a week.