Make temporary repairs to prevent more damage, photograph everything, read your policy, report the claim promptly, get a contractor inspection and estimate, meet the adjuster, and keep records of every conversation and expense until repairs are complete.
A storm claim can feel overwhelming, but the process follows the same basic steps for most homeowners. Knowing them helps you avoid delays.
1. Prevent further damage
Most policies expect you to take reasonable steps to protect your property, like tarping a roof or boarding a broken window. Keep receipts; these costs are often reimbursable.
2. Document the damage
Photograph and video the roof (from the ground), siding, windows, gutters, fences and any interior water damage. Note the date and time of the storm.
3. Review your policy
Check your deductible, whether it's a flat amount or a percentage for wind and hail, and whether the policy pays replacement cost or actual cash value.
4. Report the claim promptly
Call your insurer or use their app. Policies usually require prompt notice and many set a deadline for storm claims. Write down your claim number.
5. Get a contractor inspection
A contractor can document the damage in detail and prepare an estimate. Having that information when the adjuster visits helps make sure nothing is missed.
6. Meet the adjuster
Be there for the inspection if you can, and ask your contractor to attend. Walk the adjuster through every area of damage.
7. Review the settlement and schedule repairs
Compare the insurer's scope to your contractor's estimate. If something was missed, you can ask for a review with supporting photos and documentation.
Keep a paper trail
Save emails, notes from calls, receipts and photos in one place until the job is finished and paid.
Have storm damage to report?
We document storm damage, work alongside your adjuster and handle the repairs from start to finish. Book a free call and we'll talk through your project and next steps.
Frequently asked questions
How long do I have to file a storm damage claim?
It depends on your policy and insurer. Many require prompt notice and set a deadline, so report damage as soon as you find it.
Will filing a claim raise my premium?
It can, depending on your insurer and claim history. Ask your agent how a claim may affect your policy.
Do I need a contractor before the adjuster comes?
It isn't required, but a contractor's inspection and estimate can help make sure all of the damage is documented.
