Before diving headfirst into quotes, take a deep breath and honestly assess the severity of the roof damage. Is it a minor repair job, or are you looking at a full replacement? Knowing the extent of the damage empowers insurance providers to accurately evaluate the risk and offer appropriate "How to Get Home Insurance With a Bad Roof" options. Here are some tips for assessing the damage: Conduct a visual inspection of your roof, both inside and outside. Look for missing shingles, cracks, leaks, or water stains. If you're uncomfortable climbing on your roof, consider hiring a professional roof inspector to provide a detailed report. Gather any existing documentation you might have related to the roof, such as past repairs or maintenance records.