After a storm or a frost: having the roof and facades of a house held from afar inspected
A shifted tile makes no noise, and from abroad nobody looks up at your roof. After a storm or a frost, the inspection must therefore be triggered rather than awaited: a view from the ground, photos, a claim to the insurer within the policy deadlines, no repair before the adjuster except in an emergency. This dossier details that protocol, the annual check that completes it, and who does what.
By Jean Mascla, founder of Home SelectUpdated · 7 min read
Why is roof damage always spotted too late?
A displaced tile makes no noise. The water slipping through does not pour in: it seeps in a thin stream, crosses the under-roof, soaks the insulation and dampens the frame. For weeks, sometimes months, everything remains invisible from the living rooms: the stain only appears on the ceiling once the materials upstream are saturated. By then, the repair no longer concerns one tile but an entire assembly.
Frost works the same way, silently. The freeze-and-thaw cycle lifts tiles, loosens fixings, bursts ageing flashings and opens the joints of the facade. Each episode worsens the previous one, and the first visible sign often arrives seasons later, at the worst moment.
From abroad, nobody looks up at your roof. The neighbour notices a fallen branch, not a shifted row of tiles; the post says nothing about the overflowing gutter. That is why roof and facade checks must be triggered, not awaited: they belong to the reflexes you install, not to the evidence that presents itself.
The protocol to follow straight after a weather alert
The order of operations matters as much as the operations themselves. Here it is, as it unfolds.
The visual inspection first: from the ground, the street and an upper-floor window, sweep the roof, the verges, the chimney stacks, the gutters and the trees overhanging the house with your eyes. Never climb up.
The photos next: general and close-up views, time-stamped, before any clean-up and before any tarping. They form the memory of the claim.
The interior, always: loft or attic, ceilings of the rooms below the roof, looking for damp marks, water points, mouldy smells.
The declaration to the insurer, within the deadlines set in the contract, even without a final assessment of the damage: an initial report describes what is observed, and the file is completed afterwards.
Waiting for the expert, finally: no definitive repair before their visit, except a clear emergency, tarping, securing, and in that case photos beforehand and safekeeping of the removed parts.
Better still: part of this protocol is prepared before the season. In autumn, cleaning the gutters and pruning the branches overhanging the roof directly reduces the damage of the next gale. These season-closing gestures, repeated every year, are the best informal defence, and the post-storm check then merely confirms that everything held.
For an owner abroad, this protocol requires someone on site, methodical and recording every step. This is precisely the role of the Home Select concierge service: someone on site records, photographs, documents the declaration, then coordinates the trades and reports back at every stage.
The tree and the facade after a gust
The roof is not the only exposed part. Wind also works on vegetation and walls, and that damage is resolved easily when caught early.
The tree first: a branch looming over a roof, a leaning trunk, lifted roots cracking a slab. A branch rubbing a tile with every gust wears the roofcovering prematurely, and a hanging branch always ends up falling. Pruning belongs to an equipped professional, never to an improvised ladder and saw, especially near power lines.
The facade next: render cracked beside a hanging gutter, torn flashing, a bent downpipe throwing water against the wall instead of carrying it away. A wall repeatedly soaked becomes waterlogged, and the damage slowly works down towards the lower floors or the foundations. The earlier the discovery, the simpler the remedy: resetting a downpipe takes little effort, redoing waterlogged render across a whole elevation is a project.
Finally, the neighbourhood: if a tree on your plot now threatens the one next door, warning beats enduring the fall. Neighbourly courtesy counts double when you are away.
Étretat, Normandie
Why does a systematic annual check change everything?
The post-storm protocol is a reaction; the annual check is prevention, and it is what genuinely softens claims. Once a year, ideally after winter, a full inspection records the state of the roof, gutters, facades and trees, with photos compared with the previous year’s. Ageing then reads like a slope: what moves from one year to the next calls for vigilance, what is stable can be left alone.
Outside sign
What it may hide
Action
Displaced or missing tiles
Exposed under-roof, slow infiltration
Close inspection, photos, insurer
Hanging or blocked gutter
Water thrown against the facade, waterlogged wall
Cleaning and refitting by a professional
Stair-step crack in the render
Movement or shrinkage, water entering the wall
Close monitoring, professional opinion
Looming branch
Fall onto the roof or onto a person
Secured pruning without delay
Corroded flashing
Discreet puncturing at the next rain
Targeted replacement
Dark mark under a valley
An old, active leak
Leak search and declaration
The ideal window falls after the last frosts and before plant growth: winter damage is visible, vegetation does not yet hide it, and roofers organise their season around it.
This annual check also plays a less visible role: it documents the condition of the property over the years. In the event of a claim, the insurer more quickly separates recent damage from old wear, and the file moves forward without a sterile dispute over the origin of the defects.
Who does what when you live abroad?
The division is clear. You watch the weather alerts for your region and trigger the inspection. Someone local carries out the visual inspection and the photos. The insurer processes the declaration and appoints an expert if the file requires one. Qualified firms, selected for roofing and masonry work, step in once agreement is given. The Home Select concierge service holds the orchestration: checking that each stage follows the previous one, keeping the written record and reporting back, without you having to chase across time zones.
What Home Select organises for your roof after an alert
A property held from abroad is prepared from the purchase. During the viewings, your Home Select property finder spots what will need upkeep; before the signing, they introduce the concierge service that will watch over the house in your absence.
After the keys, the Home Select concierge service organises the visits, the call-outs and the photographed reports. Tradespeople, the insurer and the managing agent act under their own responsibility; you decide on documents, wherever you are.
Frequently asked questions
Who should climb onto the roof to inspect it after a storm?
Nobody but an equipped roofer. From the ground and from an upper-floor window, a trained eye already spots the essentials: displaced tiles, torn flashing, a looming branch. Accessing the roof itself remains a matter for a professional.
May repairs be made before the expert’s visit?
Only emergency measures are taken immediately: tarping, securing, removing a dangerous branch, always after taking photos. Definitive repairs wait for the insurer’s agreement, to preserve the assessment of the damage.
Does the insurer always send an expert?
No: depending on the apparent extent of the damage, the file may be settled on documents alone. This is precisely why time-stamped photos, taken before any clean-up, matter so much: they carry the demonstration in the expert’s place.
Why is roof damage always spotted too late?
A displaced tile makes no noise. The water slipping through does not pour in: it seeps in a thin stream, crosses the under-roof, soaks the insulation and dampens the frame. For weeks, sometimes months, everything remains invisible from the living rooms: the stain only appears on the ceiling once the materials upstream are saturated. By then, the repair no longer concerns one tile but an entire assembly.
Why does a systematic annual check change everything?
The post-storm protocol is a reaction; the annual check is prevention, and it is what genuinely softens claims. Once a year, ideally after winter, a full inspection records the state of the roof, gutters, facades and trees, with photos compared with the previous year’s. Ageing then reads like a slope: what moves from one year to the next calls for vigilance, what is stable can be left alone.
Who does what when you live abroad?
The division is clear. You watch the weather alerts for your region and trigger the inspection. Someone local carries out the visual inspection and the photos. The insurer processes the declaration and appoints an expert if the file requires one. Qualified firms, selected for roofing and masonry work, step in once agreement is given. The Home Select concierge service holds the orchestration: checking that each stage follows the previous one, keeping the written record and reporting back, without you having to chase across time zones.
What should be done straight after a storm or a frost?
Have the house inspected from the ground and an upper-floor window, never climbing up: roof, verges, chimneys, gutters, trees. Photograph before any clearing up, check the loft and the ceilings under the roof, declare to the insurer within the policy deadlines, then wait for the adjuster: only emergency measures, tarpaulin or making safe, are taken before, backed by photos.
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