Storm Season Survival: How to Prepare Your Commercial Roof and Maximize Your Insurance Coverage

Forecasters are predicting an active 2025 Atlantic hurricane season. Colorado State University expects 17 named storms, 9 hurricanes, and 4 major hurricanes, along with an Accumulated Cyclone Energy (ACE) index of 155, which is above average. The chance of a major hurricane making landfall in the U.S. is 51%.

With increased storm activity and warmer Atlantic waters, now is the time to prepare. At Guy Roofing, we help commercial property owners protect their buildings and stay ahead of severe weather. From inspections to insurance documentation, here’s how to prepare your roof before, during, and after the storm and get the most out of your insurance coverage in the process.

Audit Your Insurance Coverage Before a Storm Hits

Not all policies are created equal. Some exclude wind or hail damage, and flood coverage is often a separate rider altogether. Now is the time to review the fine print of your commercial property insurance.

Look for:

• Wind or hail exclusions
• Coverage limits on roof systems
• Actual cash value vs. replacement cost clauses

Schedule a Pre-Storm Roof Inspection

Think of this as your roof’s annual physical. Our expert roof inspectors will document current conditions, flag any weak points, and recommend preventative maintenance or repairs that need to be made. A detailed inspection report serves three major purposes:

1. It helps prevent minor issues from becoming major post-storm emergencies.
2. It gives you proof of condition before the storm hits, which is critical for the claims process.
   
3. It strengthens your case if you need to demonstrate due diligence to your carrier.
   

If repairs are needed, we’ll complete them quickly to fortify your roof before the storm hits.

Post-Storm Inspection Because Not All Damage is Obvious

Even if your roof looks fine, hidden storm damage can undermine its integrity. High winds, wind-driven rain, flying debris, and clogged drains can all cause slow-developing problems like:

• Wind uplift
• Membrane damage
• Punctures or seam splits
• Drainage failure

Our post-storm inspections compare roof conditions before and after the event, giving you the documentation you need to support a claim and avoid future disruptions.

Filing an Insurance Claim with Confidence

When it’s time to file a claim, our documentation becomes your best ally. We provide:

• Detailed before-and-after reports
• Photos, videos, and repair logs
• Guidance on what your policy may or may not cover

Avoid common pitfalls like delayed reporting or lack of documentation. The sooner we’re on-site after a storm, the stronger your case will be.

Protect Your Facility. Plan Ahead.

At Guy Roofing, we’ve been helping commercial property owners stay watertight and operational for over 55 years. Let us help you prepare for storm season with the right information, support, and team on your side.

Schedule your roof evaluation by calling 800-771-0778 or schedule online.