Roof Insurance Claims in Nampa, ID: A Homeowner’s Step-by-Step Guide After Wind or Hail Damage

Protect your home, your claim, and your timeline—without the guesswork

Wind and hail can damage a roof in ways that aren’t always obvious from the ground—lifted shingles, bruised granules, punctures, or flashing that’s been loosened just enough to let water in later. If you’re in Nampa or anywhere in the Treasure Valley, knowing how roof insurance claims work (and what to document) can make the difference between a smooth repair and months of frustration. This guide walks you through practical, claim-friendly steps—plus how a local contractor like Team Construction can help you move from storm damage to a finished roof with confidence.

What counts as storm-related roof damage (and why it matters for coverage)

Insurance carriers typically look for a clear connection between a specific event (windstorm, hail, falling debris) and the damage being claimed. That’s why the most important theme in any storm claim is proof and timing: proving what happened, when it happened, and what it damaged.

Common storm-related roof issues include:

  • Wind damage: missing shingles, lifted tabs, creased shingles, displaced ridge caps, exposed underlayment, loosened flashing.
  • Hail damage: bruised shingles (granule loss), punctures, cracked tiles, dented vents, damaged soft metals (gutters, flashing, vent caps).
  • Water intrusion after the storm: ceiling stains, wet insulation, drips near vents or valleys (often delayed by days or weeks).

A key point: insurers often distinguish between storm damage and wear-and-tear (aging materials, prior leaks, or maintenance issues). Clear photos, inspection notes, and receipts help separate “new damage from the storm” from “pre-existing conditions.”

First 24–72 hours: what to do (and what to avoid)

After a storm, your goals are: (1) safety, (2) prevent additional damage, and (3) document everything.

Do this right away

  1. Photograph and video the damage before cleanup or repairs (roof, gutters, vents, siding, interior stains). Capture wide shots and close-ups. If safe, include photos around the property showing hail size or fallen branches. FEMA and insurance regulators consistently emphasize strong documentation and saving receipts.
  2. Make temporary repairs to stop active leaks (tarps, plastic sheeting, buckets). Keep every receipt—many policies require “mitigation” to prevent additional damage. (doi.idaho.gov)
  3. Start a claim folder (digital + paper): date of storm, notes of what you saw/heard, photos, receipts, contractor communications, and claim/adjuster details.

Avoid these common mistakes

  • Don’t throw away damaged materials immediately (when possible). Adjusters often want to see what failed and how. (doi.idaho.gov)
  • Don’t sign anything you don’t understand—especially if someone shows up uninvited claiming to be an “insurance specialist.” The Idaho Department of Insurance has warned consumers about storm-chasing and claim-related red flags. (doi.idaho.gov)
  • Don’t delay reporting for too long. Reporting windows vary by policy and state; the safest approach is to notify your carrier promptly once you suspect damage. (content.naic.org)

How the roof insurance claim process typically works

While every carrier and policy is different, most property claims follow a similar sequence:

  1. File the claim (phone or online). Provide your policy number, contact info, date of loss, and a brief description. (content.naic.org)
  2. Inspection/adjuster visit. The adjuster documents damage and reviews your policy for coverage and deductible. (doi.idaho.gov)
  3. Estimate and decision. The carrier may approve repairs, request more documentation, or deny based on cause (e.g., wear-and-tear vs. storm-related).
  4. Repairs and payment. Depending on your policy, payment may be split (actual cash value vs. recoverable depreciation) and require final invoices/photos.

If you disagree with the carrier’s scope or cause decision, state regulators note you can submit additional documentation from a qualified expert (contractor/engineer) for reconsideration. (doi.idaho.gov)

Quick “Did you know?” storm-claim facts homeowners overlook

Temporary repairs can be required. Many policies expect you to mitigate damage after a loss, and receipts may be reimbursable. (doi.idaho.gov)
Photos are evidence, not “nice to have.” Detailed photos/video before cleanup can prevent “he said / she said” disputes later. (fema.gov)
Fraud spikes after storms. Idaho has published specific red flags (high-pressure pitches, “must be covered,” deductible-waiving promises). (doi.idaho.gov)

What to document for a stronger roof claim (checklist)

What to capture
Why it helps
Pro tip
Photos/video (exterior + interior)
Shows scope, location, and timing of damage
Take wide shots, then close-ups; include gutters, vents, flashing
Receipts for mitigation
Supports reimbursement and proves you prevented further damage
Save tarp/material receipts and any emergency labor invoices (doi.idaho.gov)
List of damaged property
Helps the adjuster evaluate and prevents items being missed
Include brand/model/serial where possible (content.naic.org)
Contractor inspection notes
Adds a professional, roof-specific perspective
Ask for labeled photos and a written summary you can share

Step-by-step: how to handle a roof insurance claim in Nampa (without losing momentum)

Step 1: Schedule a professional roof inspection

Even if your roof “looks okay,” hail bruising and wind-lift often can’t be confirmed safely from the ground. A proper inspection documents storm impact points and identifies urgent leak risks (valleys, penetrations, flashing). For storm-related concerns, Team Construction offers complimentary inspections and can help determine whether filing a claim makes sense.

Step 2: File the claim and organize your documentation

When you report the claim, keep notes on who you spoke with, the claim number, and what they asked you to submit. Upload your best photo set (labeled by location) and keep receipts for temporary repairs. Regulators recommend documenting damage thoroughly and keeping damaged items available for inspection when possible. (doi.idaho.gov)

Step 3: Be present for the adjuster visit (if you can)

If you can be onsite, you’ll be able to answer questions about when leaking started, what rooms were affected, and what emergency steps you took. It can also help to have your contractor available to point out roof components that commonly get missed (pipe boots, ridge vents, step flashing, valley metal).

Step 4: Review the scope—not just the dollar amount

The most common claim frustration is a scope that doesn’t include every damaged component (flashing, vents, gutters, underlayment upgrades required by code, or interior repairs from a roof leak). If you disagree with the insurer’s evaluation, Idaho’s consumer guidance notes you may provide additional documentation from your expert for review. (doi.idaho.gov)

Step 5: Choose a reputable local contractor and avoid “red flag” offers

After storms, high-pressure sales tactics are common. Idaho’s Department of Insurance has specifically warned homeowners to be cautious about unsolicited “claim experts,” guarantees that your insurer “must” buy a full replacement, and promises to waive deductibles. (doi.idaho.gov)

If you want a straightforward, local option, Team Construction is a full-service contractor serving the Treasure Valley—roofing, repairs, and insurance restoration—with direct claim assistance when it’s appropriate.

Local angle: what Nampa homeowners should watch for after Treasure Valley storms

In Nampa, wind events can lift shingle edges and loosen flashing, while hail can damage the “soft metals” around a roof system (vents, flashing, gutters) even when shingles appear mostly intact. That’s why a post-storm inspection is smart even if leaks haven’t started yet—many roof leaks show up later when melting snow, freeze/thaw cycles, or the next rain pushes water past a weakened seal.

If you own rental property or manage a commercial building, fast documentation matters even more: it helps protect occupants, reduces interior repair costs, and keeps maintenance records clean for future claims or property sales.

Need help with a roof insurance claim in Nampa?

If you suspect wind or hail damage, a clear inspection and clean documentation are the fastest path to a fair outcome. Team Construction provides complimentary roof inspections, repair and replacement options, and claim support from storm to finish.

FAQ: Roof insurance claims (Nampa, Idaho)

How long do I have to file a roof insurance claim in Idaho?

The reporting window varies by policy and carrier. If you suspect storm damage, it’s usually safest to notify your insurer promptly and ask them to confirm your policy’s timeframe in writing. (content.naic.org)

Should I call a roofer before I call my insurance company?

If you’re unsure whether you have storm damage, a professional inspection can help you avoid opening a claim that doesn’t have enough evidence. If you already have active leaking or obvious damage, you can do both: mitigate immediately, document, and notify your insurer.

What documentation helps most with a hail or wind claim?

Clear photos and videos (before cleanup), receipts for temporary repairs, and an itemized list of damaged property are consistently recommended by insurance regulators and FEMA guidance. (fema.gov)

Can my insurer require me to prevent further damage?

Many property policies require reasonable mitigation (like tarping or temporary sealing) to prevent additional loss. Save receipts and take photos of temporary repairs. (doi.idaho.gov)

What are “red flags” when someone offers to help with my claim?

Be cautious with unsolicited door-to-door “insurance experts,” anyone promising your insurer must pay for a full replacement, or offers to waive deductibles. The Idaho Department of Insurance has published these as common warning signs. (doi.idaho.gov)

Glossary (helpful claim and roofing terms)

Mitigation
Reasonable steps taken after damage to prevent additional loss (for example, tarping a roof leak). Keep receipts and photos.
Flashing
Metal material installed at roof transitions (chimneys, walls, valleys) to direct water away from seams and penetrations.
Ridge cap
The shingles/material installed along the roof’s peak. Wind can loosen ridge caps and expose fasteners.
Scope of loss (or “scope”)
The detailed list of what the insurer is approving to repair or replace (materials, labor, quantities, and sometimes code-related items).
Adjuster
The insurance representative who investigates the claim, documents damage, and helps determine coverage and payment based on your policy. (doi.idaho.gov)

Roof Repair in Boise, Idaho: A Practical Homeowner’s Guide to Spotting Damage Early (and Avoiding Bigger Costs)

Boise roofs take a beating—wind, hail, snow load, and fast temperature swings all add up

Roof issues in the Treasure Valley rarely start with a dramatic collapse. More often, it’s a lifted shingle at the edge, a tiny flashing gap around a vent, or hail bruising you don’t notice until a stain appears on the ceiling. This guide breaks down what to look for, when to call a pro, and how a timely roof repair can prevent structural damage, mold, and expensive interior restoration. If you’re in Boise, Meridian, or Eagle, Team Construction can inspect and explain your options clearly—especially after wind or hail events.

Why “small” roof problems become expensive fast

A roof isn’t just shingles. It’s a system: decking, underlayment, flashing, ventilation, and drainage all working together. When one piece fails, water can travel far from the entry point—so the visible leak inside the home isn’t always directly under the damage.

In Boise, a common pattern looks like this: wind loosens a shingle → rain gets beneath the shingle edge → the underlayment gets stressed and seams open → moisture reaches the decking → decking swells or rots → the next storm causes a bigger leak. Catching it early often means a targeted repair instead of a widespread rebuild.

The most common roof-repair triggers in Boise and the Treasure Valley

1) Wind damage (lifted, creased, or missing shingles)

Wind tends to attack edges, ridges, valleys, and areas near roof penetrations. You might see tabs that look “puckered,” shingles that don’t lay flat, or exposed nail heads. Even if the shingle isn’t missing, a crease can break the seal and create a repeat-leak spot in the next storm.

2) Hail damage (bruising, granule loss, and dented metals)

On asphalt shingles, hail can knock off protective granules or bruise the shingle mat beneath the surface. On metal components (flashing, vents, gutters), dents may be obvious. The tricky part: hail bruises can be hard to confirm from the ground, and walking a roof can be unsafe and can cause additional damage.

3) Flashing failures (chimneys, skylights, pipes, walls)

Flashing is where roofs often leak first. Sealant dries out, metal shifts, or old repairs stop holding. If you notice stains near a fireplace chase, bathroom vent area, or along an exterior wall line, flashing is a prime suspect.

4) Winter stress (ice buildup, snow melt, and ventilation imbalance)

Boise winters can expose weak ventilation and insulation. When roof surfaces warm unevenly, snow melts and refreezes near the eaves, pushing water where it doesn’t belong. If you see heavy icicles, recurring edge leaks, or damp attic insulation, it’s time for an inspection.

A homeowner-friendly roof damage checklist (safe, ground-level)

If you’re comfortable walking around your property, you can spot many red flags without climbing a ladder:

• Shingles in the yard, driveway, or near downspouts (even a few can matter).
• Bent, detached, or “wavy” drip edge along the roofline.
• Gutter dents, downspout dings, or splatter marks on siding after hail.
• Granules collecting at downspout exits (looks like coarse black sand).
• Water stains on ceilings, around can lights, near bathroom fans, or at exterior walls.
• In the attic: damp wood, musty odor, dark streaks on decking, or wet insulation.
Safety note: After a storm, roofs can be slick, brittle, or structurally compromised. A professional inspection is the safest way to confirm damage.

Roof repair vs. roof replacement: how the decision is typically made

The right scope depends on damage type, roof age, how widespread the issue is, and whether matching materials are available. A reputable contractor should show you what they found, explain the risks of each option, and document it clearly (especially if insurance is involved).
Situation
Often a Repair Makes Sense
Often a Replacement Makes Sense
Wind lifted a small area near the ridge or edge
Damage is localized, decking is sound, shingles can be resealed/replaced
Multiple slopes have repeated lifts/creases or brittle shingles
Leak around a vent, chimney, or wall flashing
Flashing/boot replacement solves the entry point
Widespread flashing failures + aged roof surfaces
Hail marks on gutters + suspected shingle bruising
Minor, isolated impacts; shingles still performing
Functional damage across slopes; granule loss/bruise pattern suggests shortened roof life
Roof is nearing end of expected service life
A repair can buy time if the system is still stable
Multiple issues + aging materials = better long-term value to replace

“Did you know?” quick facts that help Boise property owners make smarter repair calls

• Water can travel along decking and rafters, so the interior stain is not always directly beneath the exterior damage.
• Many insurance policies expect you to mitigate further damage (example: a tarp after a leak). Keep receipts—temporary repairs are often reimbursable if the loss is covered. (NAIC guidance) (content.naic.org)
• Good claim outcomes usually start with organized documentation: photos/video, a written damage list, and a communication log. (NAIC guidance) (content.naic.org)
• Storm-chaser pressure tactics are a real issue after disasters—avoid signing anything you don’t understand or paying in full upfront. (NAIC fraud warning) (content.naic.org)

Local angle: what makes roof repair in Boise different

Boise and the Treasure Valley sit in a weather pattern where roofs may face hot sun, sudden wind events, and winter freeze/thaw cycles across the same year. That combination can accelerate sealant wear and expose weak roof-to-wall transitions.

A practical Boise strategy is seasonal awareness:

Spring: Check for wind-lifted shingles and winter edge issues (icicles, leaking eaves).
Summer: Look for granule loss and brittle shingles from UV exposure; confirm attic ventilation is moving heat out.
Fall: Clean gutters and confirm flashing and penetrations are tight before storms and snow arrive.
Winter: Watch for recurring ice buildup and interior humidity issues that can mimic roof leaks.
If you manage a rental or commercial building, proactive inspections can reduce emergency calls, interior repairs, and tenant disruption—especially when the next storm hits before you’ve had time to schedule work.

If insurance might be involved: a clean, no-drama documentation routine

When wind or hail damage is suspected, speed and organization help:

• Take wide photos of each roof side (from the ground) plus close-ups of visible exterior damage (gutters, vents, siding dings).
• Make temporary, reasonable protective moves (like tarping) if needed, and keep every receipt. (NAIC) (content.naic.org)
• Keep a simple communication log: who you spoke with, date/time, and what was decided.
• Avoid permanent repairs until the adjuster has had a chance to document the damage (unless safety requires immediate action).
Team Construction regularly assists Boise-area owners with storm damage inspections and can coordinate documentation so you’re not juggling contractors, adjusters, and paperwork alone.

Schedule a complimentary roof inspection in Boise

If you’ve noticed a leak, missing shingles, hail impacts, or you just want a professional opinion before the next storm, Team Construction will provide a clear assessment and straightforward options—repair, restoration, or replacement when it truly makes sense.
Request a Free Roof Repair Estimate

Serving Boise, Meridian, Eagle, and the Treasure Valley

FAQ: Roof repair in Boise, Idaho

How do I know if I need roof repair or a full replacement?

It depends on how widespread the damage is, whether the roof system is still stable, and how well materials can be matched. Localized wind or flashing issues often repair well. Broad hail damage, repeated wind creasing, or aging shingles across multiple slopes may point toward replacement for better long-term reliability.

Should I call a roofer first or my insurance company first?

If there’s active leaking or visible storm damage, many owners start by getting a professional inspection so they can report accurate details. Whichever order you choose, document the damage, keep receipts for temporary mitigation, and communicate promptly—insurers often have time requirements. (NAIC) (content.naic.org)

Is it safe to walk on my roof to look for damage?

After storms or in cold weather, it’s often not safe—surfaces can be slick, brittle, or structurally compromised. A ground-level check for obvious signs is fine for most homeowners, but a professional inspection is the safer way to confirm.

What should I photograph for a hail or wind claim?

Start with wide photos of each side of your home and roofline (from the ground), then capture close-ups of visible impacts like dented gutters, downspouts, vents, or siding marks. Also photograph any interior staining. A written list of what’s damaged supports the photos. (NAIC) (content.naic.org)

Can a roof leak be something other than the roof?

Yes. Condensation from ventilation problems, plumbing vent issues, or HVAC components can mimic a roof leak. A good inspection checks the full system so repairs address the real cause—not just the symptom.

Glossary (plain-English roofing terms)

Flashing
Metal (or membrane) used to seal transitions—like around chimneys, walls, and vents—so water can’t get in.
Underlayment
A protective layer beneath shingles that adds water resistance and helps protect the roof deck.
Roof deck (decking)
The plywood/OSB surface the roof system is built on. Persistent leaks can rot or swell decking.
Mitigation (temporary repairs)
Reasonable steps taken to prevent further damage after an event—like tarping a leak or boarding a broken window. Keeping receipts is important for insurance documentation. (NAIC) (content.naic.org)

Residential Roofing in Nampa, Idaho: How to Spot Storm Damage Early (and Prevent Costly Repairs)

A practical guide for Treasure Valley homeowners after wind, hail, and heavy weather

Your roof is the first line of defense for your home, and in Nampa and across the Treasure Valley it takes real wear from seasonal wind bursts, spring weather swings, and summer thunderstorms. Some roof problems announce themselves with an obvious leak. Others stay quiet until you’re dealing with stained drywall, moldy insulation, or a bigger repair bill than you expected.

Below is a homeowner-friendly checklist to help you recognize early signs of storm-related roof damage, understand what “normal aging” looks like versus true impact damage, and know when it’s time to schedule a professional inspection. If you’d rather skip the guesswork, Team Construction offers complimentary inspections and can help coordinate next steps when insurance is involved.

Why residential roofing issues can escalate quickly in Nampa

Most roof “failures” don’t happen all at once. They start with small weak points—lifted shingle edges, loosened flashing, cracked pipe boots, bruised shingles from hail—then progress when the next storm hits.

In the Treasure Valley, strong winds can arrive with frontal passages and thunderstorm outflow. The National Weather Service notes that brief gusty bursts and seasonal wind patterns are a known part of the area’s climate, with spring being a notably windier window. (weather.gov)

Helpful mindset: Your roof doesn’t just need to “not leak today.” It should be ready for the next wind event, hail core, or freeze/thaw cycle that turns a small defect into a water pathway.

Common storm-damage signs homeowners can actually check (without getting on the roof)

You don’t need to climb a ladder to notice many of the most meaningful warning signs. Start at ground level and work outward:
1) Shingle debris or granules in gutters/downspouts
After hail or heavy wind, check gutters, downspouts, and splash blocks. Excess granules can indicate protective surface loss on asphalt shingles—often a clue that the roof took impact.
2) Random “dark spots” (hail bruises) on visible roof planes
Hail damage tends to be random rather than lined up. Impacts can knock off granules and expose darker asphalt underneath, sometimes leaving “bruised” spots that can feel soft. (weathershieldroofers.com)
3) Bent metal, dented vents, or damaged soft metals
Even if shingles look “fine” from the ground, hail often leaves evidence on roof vents, flashing edges, gutters, and downspouts—areas a pro will evaluate as part of an inspection.
4) Interior clues: stains, peeling paint, or musty attic smells
A roof leak doesn’t always show up directly under the damaged area. Water can travel along rafters, decking, and insulation before it appears on a ceiling.
5) Missing shingles or lifted edges after high wind
Wind can break the seal line on shingles, lift corners, and create entry points for driven rain. This is one of those issues that can worsen fast if it’s left through the next storm cycle.

When damage is “cosmetic” vs. when it can shorten roof life

Not every mark means your roof needs replacement. The difference is whether the roofing system can still shed water reliably over time.

More concerning indicators include cracked shingle mats, widespread granule loss, and impact points that expose the underlying fiberglass—these can allow faster UV degradation and moisture intrusion. (weathershieldroofers.com)

What you notice What it can mean Best next step
A few granules after an older roof’s first big warm season Normal aging or mild wear Monitor; schedule routine inspection
Heavy granules in gutters after a storm Possible hail impact or accelerated wear Professional roof inspection recommended
Random dark “bruise” spots on shingles Granule loss and impact points consistent with hail Document + inspection; discuss repair vs. replacement
Missing shingles or flapping edges Wind damage; active water-entry risk Schedule repair promptly
Ceiling stain or wet attic insulation Leak (cause may be roof, flashing, or ventilation-related) Inspection ASAP to prevent secondary damage

Step-by-step: What to do after a storm (homeowner-safe checklist)

If you’ve had hail, high wind, or a major downpour in Nampa, these steps help protect your home and create a clean paper trail in case an insurance claim becomes necessary.

Step 1: Do a ground-level walkaround

Look for shingle pieces, metal fragments, dented gutters, downspouts knocked loose, and damaged vents. Take photos from multiple angles.

Step 2: Check inside (ceilings, attic access, and ventilation areas)

Note any new stains, bubbling paint, or damp smells. If you can safely peek into the attic, look for wet insulation or daylight around penetrations (vents, chimneys, pipe boots).

Step 3: Avoid “quick fixes” that hide evidence

Temporary tarping can be appropriate if water is actively entering, but avoid permanent changes until the roof is documented and evaluated. If you’re unsure what to do, schedule an inspection first.

Step 4: Read your policy and ask about “matching”

Many homeowners are surprised to learn that “matching” rules can vary by policy. The Idaho Department of Insurance recommends reviewing your policy provisions and asking your adjuster to point out what the policy says about matching materials (including roof shingles). (doi.idaho.gov)

Step 5: Schedule a professional inspection (especially after hail)

Hail damage on asphalt shingles can be hard to confirm without trained eyes. A pro can identify true impact patterns versus look-alikes (blistering, foot traffic, manufacturing issues), and explain repair options clearly. (weathershieldroofers.com)
Note on insurance timelines: Deadlines and documentation requirements can vary by carrier and policy form. If you suspect storm damage, it’s smart to notify your insurer promptly and keep organized photos/notes from the start.

Local angle: What Treasure Valley weather means for roofs in Nampa

Homeowners across Nampa, Boise, Meridian, and Eagle often see roof issues cluster around a few patterns:

Spring winds: The Treasure Valley’s windiest window is often described as spring (notably March through mid-May), and even short wind bursts can lift edges and stress shingles and flashing. (weather.gov)
Thunderstorm outflow: Gusty winds can accompany non-severe storms; stronger storms can push higher gusts and cause sudden damage. (weather.gov)
Hail reality check: When hail reaches “severe” criteria in the Boise area, the National Weather Service uses 3/4-inch diameter (penny size) as a key threshold for reports—hail that size can be a meaningful roofing concern depending on roof age and material type. (weather.gov)
If you’re in a neighborhood with newer construction, remember that “new roof” doesn’t always mean “storm-proof roof.” Installation details—flashing, ventilation, ridge caps, and seal lines—matter just as much as shingle age.

Warranty basics (what “lifetime” usually means in roofing)

Many homeowners hear “lifetime warranty” and assume that means the roof is covered for anything that happens. In practice, manufacturer warranties are often limited and commonly focus on product defects; coverage terms can change after an initial non-prorated protection period. (owenscorning.com)

Also, extended warranty options may require a complete “roof system” installed and (depending on the program) installation by certified contractors. (roofitforward.com)

Practical takeaway: A good inspection report and clear installation documentation help protect your investment—whether you’re dealing with a warranty question or an insurance-related repair.

Schedule a complimentary roof inspection in Nampa

If your home has been through recent wind or hail—or you’re seeing warning signs like granules, lifted shingles, or interior staining—Team Construction can assess the roof, explain options clearly, and assist with insurance claim coordination when appropriate.

FAQ: Residential roofing in Nampa, ID

Do I need an inspection if there’s no leak?
Yes, especially after hail or high wind. Many storm issues start as seal breaks, bruised shingles, or flashing movement that won’t leak until the next weather event.
What size hail is “bad” for a roof?
It depends on roof age, shingle type, and storm intensity. For reporting severe weather, the National Weather Service Boise office uses 3/4-inch hail (penny size) as a key threshold—hail at or above that size is worth taking seriously. (weather.gov)
What are the most common hail-damage signs on asphalt shingles?
Random impact marks, dark “bruise” spots where granules are knocked off, cracked mats, and granule accumulation in gutters are common indicators. (weathershieldroofers.com)
Will my insurance automatically pay to replace the whole roof?
Not always. Coverage depends on your policy, the adjuster’s findings, and the documented scope of damage. Matching (replacing enough material to make everything uniform) may also be addressed differently depending on your policy provisions. (doi.idaho.gov)
What should I do first: call a roofer or my insurance company?
If you suspect storm damage, many homeowners start with a professional inspection so they can document the condition and understand whether the issue looks storm-related or maintenance-related. If active leaking is happening, prioritize mitigation (like temporary covering) and notify your insurer promptly.

Glossary (roofing terms homeowners hear during inspections)

Flashing: Metal or membrane material installed at transitions (chimneys, walls, valleys) to direct water away from seams.
Granules: The textured mineral surface on asphalt shingles that helps protect against UV and weathering.
Seal line (adhesive strip): The bonding area that helps shingles resist wind uplift once properly sealed.
Shingle mat (fiberglass mat): The reinforcement layer inside many asphalt shingles; cracking here can reduce shingle integrity.
Underlayment: A protective layer installed beneath shingles as an added moisture barrier.