Stallion Ridge Exteriors (203) 990-2444
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Roofing · Connecticut & New York

Report Storm Damage for Your Roof Insurance Claim

Send us photos of the storm damage and we will come out and look at the roof for free. You report the claim to your own insurance company, and it stays yours. What we do is inspect, photograph and measure the damage, write a repair estimate you can hand to your insurer, meet their adjuster at the house if you ask us to, and do the repair.

The insurance company and policy boxes are optional, but worth filling in – it lines the paperwork up before we come out.

Call (203) 990-2444 Send photos and details
Free
Roof inspections, including storm and hail assessments
25 years
Workmanship warranty on our roofing work

Tell us what happened

Four things are required: the address, what happened, your name and a phone number. Everything else is optional, photos included. Nothing you send here goes to your insurance company unless you ask us to share it.

1. Where the damage is

The house with the damage, even if your mail goes somewhere else. Street, town and state, please.

What happened? Required
2. When, and how bad

Insurers call this the date of loss. A rough date is fine, and you can leave it blank.

Is water coming in right now? optional

If water is coming in now, call (203) 990-2444 as well. Do not wait on this form.

Have you covered or tarped anything yet? optional

Keep the receipt either way.

3. Photos of the damage
Up to 10 photos optional, but they help most
Pick photos from your phone.

Phone photos are fine. We re-save every photo on our server, which removes the GPS tag a phone attaches to a picture. If a photo arrives in a format we cannot re-save – an iPhone HEIC is the usual one – we keep it as it is rather than lose it, and that file may still carry the tag. Photos are stored in a folder that is not published on this website; a few are emailed to our own info@ address and the crew opens the rest from a private link. They are shown to your insurance company only if you ask us to. See our Privacy Policy.

4. How we reach you

For a copy of what we find.

5. Your insurance details (optional)
Recommended: your insurance company, policy or claim number you can leave every box blank

If any of this is in front of you, put it in – it saves a step later, because your file is ready if your insurer's adjuster wants to meet us at the house. None of it is required to book the inspection, we will not contact your insurance company for you, and you can send it after the inspection instead.

Have you reported it to them yet? optional

Only if it is in front of you. We never need it to come out, and it is kept out of the text the crew gets.

If your insurer has given you a date, tell us and you can ask us to be there.

Up to two PDFs – a declarations page, an adjuster's report or a letter. Leave it blank if you do not have one to hand.

6. Anything else

Prior repairs, roughly how old the roof is, anything your insurer has already told you.

Consent is not a condition of any purchase, and we will still answer your report if you leave this box unticked. Texts come from Stallion Ridge Exteriors about your inspection, your estimate, your project and its roofing and exterior services, usually fewer than 10 a month. Message and data rates may apply. Reply STOP to stop, HELP for help. SMS Terms at /sms-terms and Privacy Policy at /privacy.

What happens after you send this

  1. We call you and book the free inspection. No cost, no obligation, and it does not commit you to a claim.
  2. We photograph and measure what we find, and write a repair estimate. It is yours: hand it to your insurer, or keep it.
  3. If you ask us to, we are there when your insurer's adjuster inspects, so we can answer the adjuster's questions about the roof. We answer what we are asked and nothing more - we do not argue coverage or amounts with your insurer. The photos, the measurements and the estimate are yours to give them.

Our roof inspections are free, and our roof repair, replacement and roofing work carries a 25-year workmanship warranty. Not storm damage? Use the free estimate form.

What to photograph

Safety first: the Connecticut Insurance Department says that if you find downed power lines or broken gas lines, leave and wait for local authorities. Take the photos before you clean up, which is what the National Association of Insurance Commissioners tells homeowners. And stay on the ground. Climbing up is our job.

  1. The whole house, one from each side, so we can see the roof planes and which way the storm came from.
  2. The damage itself, zoomed in as far as your phone will go.
  3. The ground around the house: shingle pieces on the lawn, granules at the bottom of the downspout, dented gutters, the branch where it landed.
  4. Inside: any ceiling or wall stain, and the attic if you can get up there safely. Roof survey guidance from the Insurance Institute for Business & Home Safety looks for interior water stains that line up with the roof damage.
  5. Anything already covered or tarped, plus the receipt.
  6. The roof before the storm, if you have an old photo.

Hail hides: in IBHS tests the cracks that fail the UL 2218 impact standard showed on the back of the shingle and were not always visible to the naked eye, so a clean-looking photo proves nothing.

What we do, and what we do not

We do

A free inspection, including a storm and hail damage assessment. Photograph and measure the damage. A written repair estimate that belongs to you. Meet your insurer's adjuster at the house when you ask. Emergency tarping. The repair itself.

We do not

Report, prepare, submit or manage your claim. Negotiate with your insurer, or argue coverage or amounts. Speak for you with your insurance company. Connecticut treats anyone paid to do that for a homeowner as a public adjuster (CGS 38a-723): a fine of up to $10,000, up to three months in jail, or both (CGS 38a-725). To be represented, hire an attorney or a public adjuster who holds a Connecticut Insurance Department license.

What the Insurance Department tells homeowners Your insurer sends its own adjuster at no cost to you. Insist on a written estimate before repairs begin, do not sign a contract before the adjuster has examined the damage, never pay in full up front and never sign over your settlement payment. Connecticut also voids any contract on an insured loss that creates a power of attorney or signs away your rights against the contractor, and requires a written scope of work and an estimated total price before any repair, remediation or mitigation begins - a tarp counts (CGS 38a-313a).

If water is coming in right now

Call (203) 990-2444 rather than waiting on this form. Covering the roof is expected: the Insurance Department names tarping a damaged roof as a reasonable step, and Connecticut's standard policy makes protecting the property from further damage one of the insured's duties (CGS 38a-307). Keep the receipt. When you report the damage, ask your insurer for a claim number, how long you have to file, whether a separate hail, wind or hurricane deductible applies, and when their adjuster will call.

Get a straight answer on your roof

A free inspection, photos and measurements, and an estimate that belongs to you.

Call (203) 990-2444 Send your report

Common questions about storm damage claims

Does homeowners insurance cover storm damage to a roof?

Typically, when a covered peril such as wind, hail or a falling tree causes it, according to the Insurance Information Institute. Standard policies do not cover routine wear and tear, and flood damage takes a separate flood policy.

Do I have to give you my insurance company and policy number?

No. The form sends with both blank, and we do not need either one to come out and look at the roof. They save a step later: your file is ready if their adjuster wants to meet us at the house.

Can Stallion Ridge file the insurance claim for me?

No. You report the loss to your own insurer. Connecticut treats anyone paid to prepare, document and submit a homeowner's claim, or to negotiate or settle it, as a public adjuster (CGS 38a-723), and doing that without a license carries a fine of up to $10,000, up to three months in jail, or both (CGS 38a-725). New York bars a roofing contractor from reporting, adjusting or negotiating a claim for an owner (General Business Law 771-b).

Should my roofer be there when the insurance adjuster inspects?

The Connecticut Insurance Department says you should be there yourself, to show the damage and share your photos and contractor bids. We will meet the adjuster with you if you ask. New York's Department of Financial Services has said a roofer who attends the insurer's inspection when asked needs no public adjuster license, so long as it does not negotiate or advocate and charges nothing for dealing with the insurer.

Sources, checked September 17, 2026: Connecticut Insurance Department Post-Disaster Claims Guide, Consumer Tips and Hurricane Season; CGS 38a-723, 38a-725; CGS 38a-307, 38a-313a; NY General Business Law 771-b; NY DFS opinion 08-04-28; Insurance Information Institute; NAIC; IBHS survey guidance and UL 2218 tests; National Weather Service. General information, not legal advice.