Is storm damage covered by homeowners insurance?

Wind and rain damage that enters through a storm-created opening is covered under most standard policies, including the resulting interior water damage. What is generally not covered: rain entering through pre-existing wear, roof failure from age, and flooding from rising surface water. This is why pre-tarp photographs matter so much, they establish that an opening existed and was storm-created.

How fast can you tarp my roof?

Same day in nearly all cases, and during an active storm event we run crews continuously. During a major regional storm every mitigation company in the county is at capacity, so calling early in the event rather than after it passes makes a real difference to how fast you are reached.

Do you fix the roof afterward?

No. We are a mitigation company. We secure the opening, remove the water and saturated material, and dry the structure to a documented standard. Your roofer and repair contractor handle the permanent repairs, and we hand them the documentation so they are working from real information rather than guesswork. If you need a referral we will give you names, and we have no financial interest in which one you pick.

Do I need to remove the wet attic insulation?

If it is saturated, yes. Wet blown-in and batt insulation loses its R-value, holds moisture against the ceiling drywall for weeks, and is one of the most reliable places for post-storm mold to establish. It also dries extremely slowly in place. Removal and replacement is usually both cheaper and more certain than attempting to dry it.

Should I file a claim for a small leak?

Honest answer: not always. If the mitigation cost is near or below your deductible, filing creates a claim on your record for little benefit. If there is water inside walls or ceilings, the number is almost always well above deductible and you should file. We will assess it and give you a real figure before you decide.

There is a tree on my house. What do I do first?

Get everyone out of the affected part of the structure and call us and your utility if any lines are involved. Do not attempt removal yourself, a limb resting on a roof is frequently carrying load, and cutting it wrong drops the whole weight at once. We assess whether to shore first and coordinate removal so the structure is not damaged further on the way out.

True Core Restoration technician responding to a 24/7 emergency call in San Diego County

Wind, Rain & Water Intrusion

Storm Damage Mitigation

Roof opened up in an atmospheric river? We tarp it, pull the water, and dry the structure so the loss stops growing.

TRUSTED BY HOMES & BUSINESSES ACROSS SAN DIEGO COUNTY

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Overview

Wind and rain intrusion. Emergency tarping, water removal, wet insulation, and documented drying.

San Diego does not get many storms, which is exactly why storm damage here is so often severe. Roofs are built for sun, not sustained rain. Drainage is sized for a dry climate. When an atmospheric river parks over the county for two days, the water finds every deferred repair at once.

What It Costs

Storm mitigation prices on the number and size of openings tarped, the volume of water and saturated material removed, and the days of drying equipment required. It is the emergency half of the job, and carriers generally pay it even while coverage on the permanent repair is still being worked out, because your policy requires you to prevent further damage.

Photograph It Before You Cover It

The tarp that protects your house also hides your evidence. This is the single most useful thing to know about a storm claim. Once a blue tarp is over the opening, an adjuster arriving three days later cannot see what the damage looked like or confirm how it happened.

We photograph comprehensively before tarping for exactly this reason. If you tarp it yourself before we arrive, take photos first, from the ground, from multiple angles, and of any interior water. Those pictures are frequently worth more to your claim than anything anyone says afterward.

Get Help Now

Storm opened up your roof? Call True Core. Same-day tarping, documented before we cover it, water removed and the structure dried, then a clean file handed to your repair contractor.

Scope of Work

What's In Every Storm Damage Mitigation Call

Emergency Tarping And Securing, Same Day

A roof opening during an active storm system takes on water every hour. We tarp, board, and secure immediately so the interior damage stops growing while the claim gets sorted out.

Water Intrusion Traced To The Actual Entry Point

Water rarely shows up where it entered. It travels along rafters, down top plates, and through insulation before it stains a ceiling. We trace it back to the real breach and document it, so the repair goes to the right place.

Wet Attic Insulation Removed, Not Left To Sit

Saturated blown-in and batt insulation loses its R-value, holds moisture against the ceiling drywall for weeks, and dries very slowly in place. It is the single most common source of post-storm mold, and the step most often skipped.

Interior Drying On The Same Documented Standard

Storm water in walls, ceilings, and attic cavities gets extracted and dried with daily moisture logs, exactly like any water loss, until every affected material reads at or below dry standard.

Documented For The Claim From Hour One

Storm claims turn on proving the damage was sudden and storm-caused rather than pre-existing wear. We photograph everything before we tarp, which is precisely the documentation an adjuster cannot get later.

How It Works

Our Step-By-Step Process

Step 1
Emergency Securing

First priority is stopping additional water from entering. We tarp roof openings, board broken windows and doors, and secure compromised areas. Before anything gets covered we photograph the damage from multiple angles, because once a tarp goes on, the adjuster cannot see what was underneath and your claim depends on that record. If a tree or limb is on the structure we assess whether removing it is safe or whether it is currently carrying load, in which case the right move is to shore and coordinate rather than cut.
Step 2
Assessment And Water Tracing

We inspect the breach point, then follow the water inward: into the attic, along the framing, through insulation, and into the wall and ceiling cavities below. Thermal imaging and moisture meters find the wet areas that have not stained yet, and there are always more than the visible ones. We note any structural members that look compromised so your repair contractor and your adjuster both know before anyone bids the repair. Everything gets photographed and measured.
Step 3
Water Removal And Material Removal

Standing water gets extracted. Saturated attic insulation gets removed and bagged. Drywall and ceiling material that cannot be dried in place gets cut back to a documented margin, and wet cavities get opened where they need airflow to dry. Everything removed is photographed and logged before disposal, because your carrier pays against documentation. We remove what has to come out for the structure to dry, and we stop there.
Step 4
Structural Drying And Daily Monitoring

Air movers and LGR dehumidifiers get placed by calculation and run continuously while a technician returns daily to log moisture readings against a dry standard taken from an unaffected part of the building. Attics dry slowly, so storm losses often run longer than a comparable interior water loss. Keep the house closed while equipment runs, opening up in San Diego humidity works directly against it.
Step 5
Verification And Handoff To Your Repair Contractor

When every affected material reads at or below dry standard on consecutive days, we pull equipment and walk the space with you. You receive the complete file: pre-tarp photographs, the water-intrusion findings, daily moisture logs, equipment records, and a written statement of what was removed and why. That package is what your roofer and repair contractor build from, and it is what supports a supplement if additional damage surfaces after the initial adjustment. We do not perform the roof or interior repairs ourselves.

24/7 Emergency Response

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Call now for 24/7 emergency response across San Diego County. IICRC-certified crews, insurance billed direct.

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FAQs

About Storm Damage Mitigation

Wind and rain damage that enters through a storm-created opening is covered under most standard policies, including the resulting interior water damage. What is generally not covered: rain entering through pre-existing wear, roof failure from age, and flooding from rising surface water. This is why pre-tarp photographs matter so much, they establish that an opening existed and was storm-created.
Same day in nearly all cases, and during an active storm event we run crews continuously. During a major regional storm every mitigation company in the county is at capacity, so calling early in the event rather than after it passes makes a real difference to how fast you are reached.
No. We are a mitigation company. We secure the opening, remove the water and saturated material, and dry the structure to a documented standard. Your roofer and repair contractor handle the permanent repairs, and we hand them the documentation so they are working from real information rather than guesswork. If you need a referral we will give you names, and we have no financial interest in which one you pick.
If it is saturated, yes. Wet blown-in and batt insulation loses its R-value, holds moisture against the ceiling drywall for weeks, and is one of the most reliable places for post-storm mold to establish. It also dries extremely slowly in place. Removal and replacement is usually both cheaper and more certain than attempting to dry it.
Honest answer: not always. If the mitigation cost is near or below your deductible, filing creates a claim on your record for little benefit. If there is water inside walls or ceilings, the number is almost always well above deductible and you should file. We will assess it and give you a real figure before you decide.
Get everyone out of the affected part of the structure and call us and your utility if any lines are involved. Do not attempt removal yourself, a limb resting on a roof is frequently carrying load, and cutting it wrong drops the whole weight at once. We assess whether to shore first and coordinate removal so the structure is not damaged further on the way out.

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