What should I do first?
Move furniture, catch the drips and stay out from under a bulge. The Red Cross says to wear eye protection, stand away and poke holes from the outside of the bulge inward, because striking the center can collapse the ceiling (American Red Cross).
Do I have to fix the roof before the adjuster comes?
You have to protect it. Georgia's insurance commissioner says to cover a damaged roof with a tarp to prevent water damage from later rain, because most policies will not cover that damage (Georgia OCI). It also says to keep all receipts for temporary repairs (Georgia OCI). Washington's insurance commissioner warns that coverage can be denied for damage caused by delaying roof repairs (Washington OIC).
Can the ceiling be dried?
Sometimes. The EPA says drywall may be dried in place if there is no obvious swelling and the seams are intact (EPA). A ceiling that sagged needs replacing (American Red Cross). Wet insulation above it is discarded and replaced (EPA).
Can a roof leak cause mold?
Yes. The EPA lists roof materials above ceiling tiles as a common hidden mold spot after roof leaks (EPA). Rain through a roof starts as Category 1 water (Massachusetts DPH), but it can grow mold if it sits.
Common questions
Is a roof leak covered by homeowners insurance?
Storm damage to a roof is often covered. Leaks from wear and age often are not. Call your insurer.
Should I call a roofer or a restoration company first?
Stop the water first, which usually means a roofer or a tarp. Then get the inside dried.
Can I patch a stained ceiling with paint?
Only after it is dry and the leak is fixed. Stain-blocking primer covers marks; it does not dry the drywall.
Related guides
Sources
- American Red Cross: checking your home's structural elements
- Georgia Office of Insurance and Safety Fire Commissioner: safety tips for severe weather
- Georgia Office of Insurance and Safety Fire Commissioner: insurance claim tips
- Washington Office of the Insurance Commissioner: leaks, water damage and mold
- EPA: Mold Remediation in Schools and Commercial Buildings, Table 1
- EPA: A Brief Guide to Mold, Moisture and Your Home
- Massachusetts DPH: quick reference, water damage response in buildings
Last reviewed November 13, 2026. This guide is general information, not legal, insurance or medical advice.