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Emergency Roof Repair

Emergency Roof Repair near you

Urgent help for active leaks and storm or wind damage. Tell us about your emergency roof repair project and we’ll help you find local roofers who serve your area.

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Emergency roof repair is the work that stops water from getting in after sudden damage: a branch through the shingles, sections torn off in a windstorm, hail damage, flashing ripped loose, or an ice dam sending meltwater through a ceiling in the middle of winter. The goal of the first visit isn't a finished roof but a watertight one, so the damage inside doesn't spread while a proper repair is planned.

Roofers who take emergency calls can install tarps or temporary membranes, seal openings, clear debris from the roof and document the damage for your insurer. In winter, they may also clear snow and open channels through ice dams using methods that don't tear the shingles. All of this is work at height, often on a wet or icy surface, and it belongs to a crew with proper fall protection.

This page explains what to do safely inside your home while you wait, the temporary protection a roofer provides, how home insurance claims generally work after roof damage, and how ice-dam emergencies are handled.

When a roof leak is an emergency

A slow drip that only shows up in heavy rain can usually wait a day or two for a regular repair. Anything that threatens electrical fixtures, the structure or people's safety can't.

  • Water is coming through a ceiling, a light fixture or a wall, not just leaving a small stain.
  • A tree or large branch has hit the roof, or part of the roof is open to the sky.
  • Wind has torn off shingles, flashing or membrane, and more rain or snow is on the way.
  • A ceiling is bulging or sagging with water and could come down.
  • An ice dam is sending meltwater into the house during a thaw.
  • Heavy snow has piled up on a flat or low-slope roof, and inside doors start to stick or new cracks appear.

What to do safely during a roof leak

  • Don't go up on the roof, even to lay a tarp; leave that to a crew with fall protection.
  • If water is near light fixtures, outlets or the electrical panel, keep clear, and shut off the power only if you can reach the panel safely from a dry spot; otherwise call an electrician or your utility.
  • Keep everyone out of rooms where the ceiling is bulging or sagging.
  • Move furniture, electronics and valuables away from the leak, and catch dripping water with buckets and towels.
  • Take photos and video of the damage inside, and of the outside from the ground, and keep damaged items until your insurer says you can discard them.
  • Call a roofer who handles emergency calls, then your insurer or broker.
  • Stay away from power lines brought down by fallen trees or tangled in eavestroughs, and report them to your utility.

Temporary roof protection by a professional roofer

An emergency crew's first job is to stop the water. Depending on the damage, that can mean securing a heavy tarp over the opening and fastening it so wind can't get underneath, applying a temporary membrane, boarding over a hole left by a branch or resealing torn flashing. On a flat roof, it may mean patching a torn membrane or clearing a blocked drain.

Temporary protection is meant to hold until a proper repair can be done, not to last for seasons. Ask the crew to photograph the damage before and after they work, to note what they found and what they installed, and to tell you when it should be checked again. Keep every invoice and receipt, since your insurer will want to see them.

Home insurance claims and who pays after emergency roof damage

Sudden damage from wind or hail is usually covered by home insurance, and so is water damage inside the house caused by a roof leak. The roof itself generally isn't covered when the problem comes from wear and tear or poor maintenance. Every policy is different, so confirm the details with your insurer or broker.

The Insurance Bureau of Canada notes that your policy expects you to act to limit further damage, such as having tarps placed over a damaged roof, and to hire a qualified professional if temporary repairs aren't safe to do yourself. Report the claim as soon as possible, take photos, keep damaged items unless they're dangerous, and keep receipts for emergency work, cleanup and any extra living expenses. An adjuster will then assess the damage and explain how your policy applies.

Ice dams and winter roof emergencies

When meltwater backs up behind an ice dam and starts dripping inside, the immediate goal is to get water flowing off the roof again. Roofers use steam equipment and careful hand work to cut channels through the ice and clear snow from the lower part of the roof without tearing the shingles. Chipping at the ice with a hammer or an axe, or climbing a ladder onto an icy roof, is how shingles get destroyed and people get hurt.

The Government of Canada's emergency preparedness advice is to work in pairs or hire a professional to clear roofs and eavestroughs, and it notes that ice dams that keep coming back can point to poor attic insulation. Once the emergency is over, have the attic's insulation, air sealing and ventilation checked so the same dam doesn't form next winter.

Temporary fix versus permanent roof repair after an emergency

  • A tarp or temporary patch protects the house for a short time, but it can blow loose or trap moisture if it stays on too long.
  • Once the weather allows, a roofer should open the damaged area, check the deck and replace whatever was damaged.
  • Have the attic and ceilings checked after the permanent repair, since wet insulation and drywall may need replacing to prevent mould.
  • If the storm damage is extensive or the roof was already near the end of its life, the adjuster and roofer may discuss replacement rather than repair.
  • Get a written quote for the permanent repair, separate from the emergency visit, so the insurer can see each stage.

Preparing your roof before storm season

  • Have loose shingles and lifted flashing fixed before the autumn winds and the first snow arrive.
  • Ask an arborist to assess large trees close to the house, especially limbs that hang over the roof.
  • Clean gutters in late fall so meltwater has somewhere to go.
  • Keep the name and phone number of a roofer who handles emergencies, along with your policy number, where you can find them during a power outage.
  • Take dated photos of the roof and attic each year, which makes a future claim easier to document.

Emergency Roof Repair: frequently asked questions

Should I go on the roof to put a tarp on it myself?

No. Roofs are dangerous in rain, wind and ice, and the Insurance Bureau of Canada advises hiring a qualified professional when temporary repairs aren't safe to do yourself. Protect what you can from inside and wait for the crew.

Should I call a roofer or my insurer first?

If water is coming in, call a roofer first to stop the damage, then report the claim to your insurer or broker as soon as you can. Your policy expects you to limit further damage.

Will insurance pay for an emergency tarp?

Reasonable emergency measures to protect the house may be included in a covered claim, but it depends on your policy and the cause of the damage. Keep the invoice and photos, and ask your insurer.

Can a roofer come out during a snowstorm?

They'll come when it's safe for the crew to work. In the meantime, many can advise you by phone on protecting the inside of the house.

How can I tell if an ice dam is causing my leak?

Leaks near exterior walls during a thaw, a thick ridge of ice along the eaves and long icicles are typical signs. A roofer can confirm it and clear a channel safely.

Sources

  1. Severe weather insurance FAQs — Insurance Bureau of Canada
  2. How to file a home insurance claim — Insurance Bureau of Canada
  3. Water damage and flood protection — Insurance Bureau of Canada
  4. Clear snow and ice — Government of Canada

Written by the LokalMatch editorial team. Last reviewed September 10, 2026.

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What affects the cost of emergency roof repair

Prices depend on the details of your project. We only publish price ranges when they’re backed by real LokalMatch quote data or reliable sources. Until then, here’s what usually changes the price:

  • Roof size and the number of layers to remove
  • Roofing material
  • Slope and how steep the roof is to work on
  • Access to the roof and the site
  • Condition of the decking underneath
  • Flashing, vents, skylights and chimneys to work around
  • Amount of repair work compared with a full replacement

How to compare roofers before you hire

  • Ask for a written quote that lists the materials, the scope of work and what happens if damaged decking is found once the old roof is off.
  • Look for a roofer who inspects the roof in person, including the attic if possible, before giving you a price.
  • Check that they carry liability insurance and workers' compensation coverage, since roof work is high-risk.
  • Compare quotes on the same scope: tear-off or overlay, underlayment, flashing, vents and cleanup.
  • Ask to see recent roofs they've done that are similar to yours in material and slope.

Questions to ask roofers before you hire

  • Will you remove the old roofing or install over it, and why?
  • How will you handle damaged decking or other surprises once the roof is open?
  • Who will pull the permit if one is needed?
  • Can you show me proof of liability insurance and workers' compensation coverage?
  • What warranty do you offer on your workmanship, and how long does it last?
  • How will you protect my yard, gutters and siding, and how will you clean up nails and debris?
  • Will your own crew do the work, or will you use subcontractors?

When to call a pro for emergency roof repair

  • Water stains on ceilings or in the attic after rain or snowmelt
  • Missing, curled or cracked shingles, or granules collecting in the gutters
  • Sagging areas on the roof, which should be looked at by a professional right away
  • Ice dams that keep forming along the edge of the roof

Emergency roof repair permits and local rules

Some emergency roof repair work needs a permit or has to meet local bylaws. Rules vary by municipality, so ask your pro whether a permit is needed and who will apply for it — and check with your city or town if you’re unsure.

Permits and licensing

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