You may not know. That is the honest answer. Roof damage is often not obvious from the ground, and we do not recommend climbing on your roof. But the first step does not have to be a sales visit.
Start by documenting what you can safely see: interior stains or active leaks, missing or lifted shingles, granules collecting near downspouts, dented gutters or vents, damaged window screens or fencing, and the storm date. If you have a carrier estimate, an adjuster inspection report, or a prior contractor scope, those are useful too.
If you file an insurance claim, your carrier may assign an adjuster to inspect. If you disagree with that outcome, you can provide a contractor-side scope, request clarification from the carrier, consult a licensed public adjuster, or use the dispute process available under your policy.
Stated provides contractor-side measurements, photos, pricing, and written scope for the work Stated would perform. We do not represent you in the claim or negotiate coverage.
The Stated storm guide →