Roof leaking right now? Here's exactly what to do.
⚠ If water is near electrical fixtures or your ceiling is sagging and bulging with water, keep everyone away from that area and cut power to that part of the house at the breaker if you can do so safely. Then call us at (240) 880-2108.
A roof leak feels like an emergency because it is one — water spreads fast, ruins drywall and insulation, and grows mold within 24–48 hours. The good news: a few quick moves in the first 30 minutes dramatically limit the damage, and if the leak came from a storm, your insurance likely covers both the roof and the interior. Here's the playbook.
The first 30 minutes
Was it storm-related? Then insurance probably pays.
Most roof leaks in the DMV trace back to wind or hail loosening or cracking shingles. If a covered storm caused the damage, your homeowners policy typically pays for the roof repair or replacement and the interior water damage, and your out-of-pocket is usually just your deductible. Leaks from a worn-out roof or missed maintenance generally aren't covered — which is exactly why fast documentation matters: it ties the leak to the storm.
Not sure if a storm hit your street? Check our live DMV storm tracker — it maps real NOAA hail and wind reports by neighborhood. If your area was hit, you likely have a claim.
Free 24-hour inspection — emergency tarping available
We find the real source of the leak, stop the water, document the damage, and guide you through the insurance claim. Most homeowners pay only their deductible.
Get Help Now →What NOT to do
- Don't ignore a small stain. A brown ring on the ceiling means water is already inside the structure. Small leaks become five-figure repairs.
- Don't DIY-patch from the attic with tar or flex tape. It rarely holds, hides the real problem, and can void your manufacturer warranty.
- Don't sign with the first door-knocker. After storms, out-of-town "storm chasers" flood the DMV. Verify a Maryland MHIC or Virginia DPOR license and local reviews first. (See our 7-point contractor checklist.)
- Don't wait for "after the weekend." Mold starts in 24–48 hours and insurers expect prompt mitigation.
Frequently asked questions
What should I do first when my roof is leaking?
Move valuables, put a bucket under the drip, and if the ceiling is bulging with water, drain it through a small hole at the lowest point. Photograph everything, then call a licensed roofer for an emergency tarp and inspection.
Does homeowners insurance cover a roof leak?
If a sudden covered event like a storm, wind, or hail caused it, insurance usually covers the repair plus the interior water damage, minus your deductible. Age and neglect are not covered — so document the storm link immediately.
How fast can United Developers respond?
Free inspection within 24 hours across MD, VA and DC, with same-week emergency tarping to stop active water intrusion. Call (240) 880-2108.
Should I get on the roof myself?
No — wet roofs are extremely dangerous and the real leak source is usually far from where water shows inside. Let a licensed, insured roofer find and fix the actual entry point.