No one can predict weather. Hence, if you live in storm prone regions in the United States, it is advisable that you take up a storm insurance. When you are purchasing storm insurance, ensure that it is covering roof insurance in it. Roof is one of the most damaged parts in a house when hit by a storm. Therefore, once the storm is over, go out and check your roof for any damages. Take photographs and make a note of the damages caused to the roof. These will be needed when you contact your insurance agent to get the claim from the insurance company.
When you contact your insurance agent, tell him in detail regarding the damages such as leaking that are caused due to the storm and any repair that would be needed on an urgent basis. After you have contacted your insurance agent, you will get a call from adjuster from the insurance company. In most cases, he will come to the house and see the damages caused due to the storm. He will then inform the insurance company regarding the estimated cost of the damages.
So, when purchasing storm insurance, check in detail if the insurance company is covering your roof in the claim or not.