Should I tarp the roof myself?
Only if it can be done safely, from a secure position, in dry weather. The state's advice is to cover a hole with a tarp when that is safe, which is not the same as climbing a wet or steep roof.
A tarp that is not anchored to sound framing can slide or blow away, and a fall from a wet roof is far more serious than a little water in the attic. If you can reach the opening from the ground or from a ladder on firm footing, cover the area from there and keep the rest of the roof untouched.
Stop if the wind is gusting, if lightning is near, or if the roof is steep or slick. Waiting for the weather to settle is safer than working in it, and water in the house is a problem that can be managed in the meantime.
How long does a tarp stay on?
A tarp is a temporary cover and not a repair. It should stay up only until the permanent work is done, and the crew will explain what to expect before the cover goes on.
Sun and wind wear down a tarp over time, and a tarp left in place for months can tear or lift at the edges. The longer it stays, the more it needs checking, which is one reason a permanent repair should be scheduled as soon as the roof is safe to work on.
Ask the technician how the tarp will be checked and who to call if it loosens. Keep that number near the front door so that anyone in the house can reach it.
What moves the price of emergency tarping?
The size of the opening, the height and pitch of the roof, the access on the lot, and whether a permanent repair follows all move the price. The price is explained and approved before work starts.
A small opening on a low roof with a clear path to the eave takes less time than a large opening on a steep roof that has to be reached from a ladder. The tarp itself is one part of the job, and fastening it safely is the other.
What should I photograph before the tarp goes on?
Photograph each damaged area from the ground, from the roof if it is safe, and from the attic. Include any debris and the direction the storm came from across the yard.
Close photos show the shingles, the holes and the nail lines, and wider photos show where the damage sits on the house. Date the photos on your phone, and take a few of the ceiling stains inside, since they show the path the water took.
Keep the photos with any written notes, receipts and the estimate. Your insurer and any adjuster will want them, and the insurance claims guide explains what to gather.
Does a tarp count as the repair for my insurance?
Your policy and your insurer decide what counts. A tarp is usually treated as temporary protection rather than the permanent repair, so keep the receipt and the written estimate with your claim papers.
Ask your insurer, before the work starts, what it will accept as temporary protection and whether it needs to approve the cover. Some insurers require an adjuster to approve work before it begins, and that conversation is easier before a tarp is already on the roof.
The N.C. Department of Justice also advises paying by credit card where possible for dispute protection, and never paying up front without a written contract. Those points apply to tarping as much as to a full repair.