What to Do When Your Roof Starts Leaking: A Step-by-Step Guide for Homeowners

Step 1: Stay Calm and Protect the Interior

The first priority is preventing water damage inside your home.

What to do immediately:

• Place buckets, containers, or towels under the leak

• Move furniture, electronics, and valuables away from the affected area

• If water is near electrical outlets or fixtures, turn off electricity in that area

Do not ignore even small leaks — they often mean a bigger problem above.

Step 2: Try to Identify the Source (From Inside)

You don’t need to climb on the roof yet — and in many cases, you shouldn’t.

Check from inside:

• Look for water stains on ceilings or walls

• Inspect your attic (if accessible) for wet insulation, wood, or visible drips

• Note whether the leak appears during heavy rain, snow melt, or all the time

This information will be helpful for the roofing professional later.

Step 3: Apply a Temporary Fix (If Safe)

Temporary solutions do not replace professional repairs, but they can reduce damage until help arrives.

Safe temporary actions:

• Cover the leaking area on the roof with a tarp (only if weather and safety allow)

• Use roofing tape or sealant only as a short-term measure

• Clear debris from gutters if water is backing up

Do not climb on the roof during rain, snow, or strong winds. Safety comes first.

Step 4: Document the Damage

Before repairs begin, take photos and videos.

Document:

• Interior water damage

• Ceiling stains, dripping water, or mold

• Exterior roof damage (if visible from the ground)

This is critical if you plan to file a homeowners insurance claim.

Step 5: Contact a Professional Roofing Contractor

This is where many homeowners lose time — and money — by waiting too long.

Look for a roofer who:

• Is licensed and insured in your state

• Has experience with emergency roof repairs

• Offers inspections and written estimates

• Can work with insurance claims

Avoid “storm chasers” or contractors who:

• Demand full payment upfront

• Refuse to provide documentation

• Pressure you into immediate replacement without inspection

Step 6: Contact Your Insurance Company (If Applicable)

If the leak was caused by:

• Storm damage

• Wind

• Hail

• Fallen debris

…it may be covered by your homeowners insurance.

Tips:

• File the claim as soon as possible

• Share photos, videos, and contractor reports

• Do not authorize major repairs before insurer approval (unless it’s an emergency)

Step 7: Schedule Permanent Repairs or Replacement

After inspection, your roofer will recommend:

• Minor repair (flashing, shingles, sealant)

• Partial repair

• Full roof replacement

A professional will explain:

• The cause of the leak

• Repair options

• Cost and timeline

• Warranty coverage

Common Causes of Roof Leaks

Understanding the cause helps prevent future issues:

• Damaged or missing shingles

• Worn-out flashing around chimneys or vents

• Clogged gutters

• Ice dams (common in northern states)

• Aging roofing materials

When Is a Roof Leak an Emergency?

Call for emergency roofing service if:

• Water is actively pouring inside

• The ceiling is sagging

• Electrical systems are at risk

• Structural damage is suspected

Final Thoughts

A leaking roof is never convenient, but fast, informed action can save thousands of dollars in repairs. Temporary fixes help, but professional inspection and repair are the only long-term solution.

If you suspect roof damage — don’t wait. The longer a leak continues, the worse (and more expensive) the problem becomes.