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Storm Damage Repair & Insurance Claims Rochester NY
Built to Last. Built for Rochester.
Wind, hail, ice, and storm damage to your roof, siding, gutters, or exterior? City Wide Roofing & Siding responds quickly across Greater Rochester, documents damage thoroughly, and guides you through the insurance claim process from first call to completed repair.
Storm Damage? Here’s What to Do First.
After a storm damages your roof, siding, or gutters, the most important thing you can do is call a licensed, trusted contractor for an inspection before contacting your insurance company. Why? Because a professional damage assessment ensures you have an accurate, complete picture of what was damaged — before an insurance adjuster makes their own assessment, which may undervalue or miss damage that an experienced roofer would catch.
City Wide Roofing & Siding responds quickly to storm damage calls across Monroe County. We inspect the full exterior — roof, gutters, siding, fascia, skylights, and any other affected components — document everything with photos and written notes, and provide you with a detailed repair estimate. That documentation is your most important tool when filing an insurance claim.
We work with homeowners throughout the insurance process: explaining findings, helping you understand what is and isn’t covered, and providing the contractor documentation your insurance company requires to process the claim. When the claim is approved, we complete the work promptly and correctly. Call us first at (585) 265-4881 — or fill out the form and we’ll be in touch right away.
Get a Roofing Estimate
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Types of Storm Damage We Repair
Rochester’s severe weather season runs from spring through winter. We repair every type of exterior storm damage across Monroe County.
Wind Damage
High winds strip shingles, lift flashing, pull gutters from fascia, and blow siding panels loose. Even winds that don’t feel severe can cause significant damage to older or worn roofing systems. We inspect the full roofline after any significant wind event.
Hail Damage
Hail bruises asphalt shingles, cracking their surface and accelerating granule loss. The damage is often invisible from the ground but clearly evident on inspection. Hail damage is one of the most commonly covered roofing claims under standard homeowner’s insurance policies.
Ice & Snow Damage
Ice dams, ice backup under shingles, snow load damage to decking and structural members, and ice-related gutter failures. Rochester’s winters produce ice and snow damage every season — we assess and repair the full scope after harsh winters.
Fallen Tree & Debris Damage
Fallen branches and trees are a significant source of exterior damage in Monroe County’s heavily wooded neighborhoods. We assess structural impact, remove debris from the roofline if needed, and repair all damaged roofing, siding, and structural components.
Spring Storm Damage
Rochester’s spring storm season brings heavy rain, damaging winds, and late-season ice events. Roofs stressed by winter are particularly vulnerable. We respond quickly to post-storm inspection requests and assess the cumulative damage from the full season.
Emergency Leak Response
Active water intrusion after a storm needs immediate attention to prevent interior damage. Call (585) 265-4881 right away. We triage the situation, make emergency repairs to stop the leak, and assess the full scope of damage for your insurance claim.
How the Storm Damage & Insurance Claim Process Works
Insurance claims can feel overwhelming after a storm. Here’s the step-by-step process and where City Wide fits in.
Call City Wide First
Before calling your insurance company, call us at (585) 265-4881. We schedule a prompt inspection, identify all damage, and provide you with a complete written assessment and photo documentation.
File Your Claim
With our documentation in hand, contact your homeowner’s insurance company to file a claim. We provide the detailed written estimate your insurer requires. We can walk you through what to say and what documentation to submit.
Adjuster Visit & Approval
Your insurance company sends an adjuster to assess the damage. Having a professional contractor’s documented assessment helps ensure the adjuster’s scope matches actual damage. We’re available to speak with adjusters directly if needed.
Claim Approved
Once approved, your insurer issues a payment to cover the repair or replacement (minus your deductible). We help you understand the settlement and what it covers so there are no surprises when the job is scheduled.
Work Completed
We schedule and complete all repairs or replacement promptly. Work is done to manufacturer spec, backed by our workmanship warranty, and fully documented for your records and any supplemental claims if additional damage is found during work.
Done. Protected.
Your home is restored, properly protected, and documented. If you have questions after work is complete — from your insurer or for your own records — we’re available. We stand behind every job we do.
Why Choose City Wide for Storm Damage Work
Thorough Documentation
We photograph and document all damage in detail — the kind of thorough inspection that helps ensure your insurance claim covers the full scope of what was actually damaged, not just what’s visible from the ground.
Licensed & Insured
Fully licensed in New York State with general liability and workers’ comp on every job. Your insurance company needs a licensed contractor’s estimate — we provide that, along with the professionalism to back it up.
No Storm-Chaser Tactics
We’re local. We’ve been here 50+ years and we’ll be here long after your repair is done. We don’t offer to waive deductibles (which is insurance fraud), we don’t pressure you, and we don’t disappear after payment.
Fast Response
We prioritize storm damage calls and respond quickly across Monroe County. Delaying assessment and temporary protection after a storm can result in additional interior damage — and complications with your insurance claim.
Storm Damage & Insurance FAQs
Common questions from Rochester homeowners about storm damage, insurance coverage, and the claims process.
Does homeowner’s insurance cover roof storm damage?
Most standard homeowner’s insurance policies cover roof damage caused by sudden, accidental events — including wind, hail, ice, and falling trees or branches. They typically do not cover damage caused by general wear and tear, aging, or lack of maintenance. The exact coverage depends on your policy, including your deductible and any exclusions. Call us for an inspection and we can help you understand whether the damage is likely to be covered before you file a claim.
Should I call the contractor or my insurance company first?
Call the contractor first. Getting a professional damage assessment before contacting your insurer ensures you understand the full scope of damage and have documentation in hand when you file. This helps prevent situations where an adjuster’s assessment is incomplete or undervalues the damage. City Wide can assess your damage and prepare documentation quickly — call (585) 265-4881.
What documentation do I need for a roof insurance claim?
You will typically need: photos of all visible damage (interior and exterior), a written estimate from a licensed contractor detailing the scope and cost of repairs, your policy number and deductible information, and documentation of when the storm event occurred. City Wide provides a complete written estimate with photos suitable for insurance submission as part of every storm damage assessment.
Does insurance cover hail damage to my roof?
Yes, hail damage is one of the most commonly covered roof damage claims under standard homeowner’s policies. The damage — bruising, granule loss, and impact marks — must be documented by a contractor inspection and the claim filed within your policy’s timeframe (usually one to two years from the storm date). If you suspect hail damage, even from a storm months ago, have your roof inspected before it’s too late to file.
What is a deductible and how does it affect my claim?
Your deductible is the amount you pay out of pocket before insurance covers the rest. If your roof replacement costs $12,000 and your deductible is $1,500, your insurer pays $10,500. Be wary of any contractor who offers to “waive your deductible” — this is insurance fraud and could void your policy and result in criminal charges. City Wide never makes this offer.
What if the insurance settlement is less than the repair cost?
If you believe the insurance settlement doesn’t cover the full scope of damage, you can request a re-inspection or file a supplement with additional documentation. City Wide provides supplemental documentation to support these requests when our assessment of the damage exceeds the initial settlement amount. We work with you through this process.
Serving Greater Rochester & Monroe County
City Wide Roofing & Siding responds to storm damage calls throughout Monroe County and surrounding Upstate New York. Our storm damage service area includes Webster, Penfield, Pittsford, Ontario, Fairport, Greece, Irondequoit, East Rochester, Brighton, Henrietta, Hilton, Brockport, Walworth, Williamson, Victor, and surrounding communities. Call (585) 265-4881 immediately after storm damage occurs.
Milton Michel
Founder
Tougher than the nails holding your roof together. Milt was a kind-hearted person with a lively spirit that could bring energy into any space. With decades of experience on rooftops — from designing, building and laying tiles to stripping, gutting and refinishing old Victorians — his knowledge and expertise helped develop the systems City Wide uses today. He spent decades roofing Rochester houses and buildings and left behind a legacy of craftsmanship that guides every project we take on.
Jeffrey Michel
President
Quick-witted and kind-mannered, Jeff is a chip off the old block. With his father’s spirit and work ethic, there is no question your roof is in good hands. Jeff has been coordinating roofing and siding projects throughout the Rochester area for nearly 20 years. This is a family team you can trust — building a reputation one roof at a time, with the goal of delivering great service and real value to every client.
Roofing Rochester for over 50 years!
Call today to put our experience to work for you. Read our verified Google reviews and learn how a new roof can improve your home’s energy efficiency or add value before a sale. Roofing Rochester is what we do — we will see to it your needs are met, and hopefully exceeded. Schedule your free estimate today.
Request a Storm Damage Inspection
Call us right away or fill out the form and we’ll respond promptly. Fast documentation gets your claim moving faster.
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