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Storm damage & insurance

What counts as a roofing emergency?

Written & reviewed by the Town & Country Roofing teamLast checked Insured & credentialed
Quick answer

Examples include major active water ingress, dangerous loose roof materials, obvious structural movement, storm-created openings and water threatening electrical fittings. A minor defect still needs attention, but not every roofing problem requires an emergency out-of-hours response.

Situations that need immediate attention

Anything creating a safety risk or letting water in fast counts as urgent: material at risk of falling, exposed roof structure, water running into the property, or damage affecting electrics.

A ceiling holding water is a particular risk, because it can come down without much warning once it is saturated.

What can usually wait

A slipped tile with no water ingress, a slow stain that appears only in prolonged rain, or a gutter overflowing in heavy weather are normally scheduled repairs rather than emergencies.

They still need attention — most emergencies begin as something small that was left — but they do not usually justify out-of-hours work.

Last reviewed

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