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Taking Roof Photos for Insurance

Before-and-after photos make storm claims much simpler. A few minutes with a phone camera before storm season can save weeks of back-and-forth later.

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Before the season

Photograph every side of the roof from the ground, plus gutters, chimneys and skylights, while everything is in good shape.

Use the zoom

Zoom in on shingles, flashing and ridge caps from the yard rather than climbing up.

The attic

Take a few flashlight photos of the underside of the roof deck to show it's dry.

Keep records

Save the roof's age, the installer's paperwork, any warranty and past repair invoices together.

After a storm

Take the same shots again, plus close-ups of any damage and debris, before cleanup.

Date everything

Phones record the date, but a quick note of the storm's name or date helps.

Get an inspection

A roofer's written report with photos supports a claim. See roof inspections.

Talk to your insurer

Ask your agent what documentation they want before you need it.

A simple routine

Pick the same spots each year, such as each corner of the yard and the street in front, and take photos from them. Matching shots make before-and-after comparisons easy.

Store copies safely

Save photos and documents somewhere other than your phone alone, such as cloud storage or an emailed copy, so they survive if the phone is lost or damaged in a storm.

Small repairs count

Keep receipts for small repairs and maintenance too. They show the roof was looked after, which can help if an insurer questions the roof's condition.

Interior shots

Photograph upstairs ceilings and the tops of exterior walls too. If a leak appears after a storm, clear before-and-after pictures of the inside help show when the damage started.

More roofing guides

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Repairs, replacements and storm damage. Tell us what's going on with your roof and we'll pass it straight to a roofer, who will call you to look at the job and give you a quote.

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