Know what the weather has actually done to your address.
We read the public weather record for your specific address rather than for your county, because a storm three miles away may never have touched your roof. What you get is the record itself, with the dates, not somebody’s interpretation of it.
Free to check. No calls unless you ask.
Property report. No calls unless you ask.
Why it matters
Storm history drives roof life, insurance claims and timing. Starting from the actual record keeps the conversation grounded in something both you and a contractor can look at.
FEMA's estimate of what roughly one inch of floodwater does to a home. Their own figure, and they note repair costs vary by location.
FEMA, National Flood Insurance Program, 2023
The typical waiting period before a new flood policy takes effect. You cannot buy the cover once the storm is on the forecast.
FEMA, National Flood Insurance Program, 44 CFR 61.11 and 61.6, 2023
A standard homeowners policy pays nothing for flood. The form excludes “flood, surface water, waves, tidal water, tsunami, seiche, overflow of a body of water, storm surge”, wind-driven or not.
ISO Homeowners 3 Special Form HO 00 03 10 00 (2000), Section I Exclusions A.3
Whether a storm that passed near you actually damaged your roof is the one question the weather record cannot answer. That takes somebody on the roof, and insurance timing usually depends on the date.
What to understand
A few things worth knowing before you decide.
Your address, not your county
County-level storm reports are how a homeowner ends up being told about a storm that missed them.
Claim timing
Insurance windows close. Knowing the date of an event is often more useful than knowing it happened.
Cumulative wear
Several small events can age a roof as much as one memorable one, and no single one of them looks like a reason to call.
Start with your property.
Enter your address and see what we can tell you about your storm exposure, and the rest of your home.