What Are the Steps to File a Storm Damage Claim Correctly?

Your first priority after a storm is safety. Do not re-enter a building with structural damage or standing water until you know it is safe. Once safe, start documenting the damage by taking clear photographs and videos from multiple angles. Write detailed notes describing what happened and what items are affected.

Create a list of damaged property, noting descriptions, ages, and estimated values if possible. Save all receipts for any emergency repairs or temporary supplies you purchase. This documentation forms the foundation of your claim and helps your insurance adjuster understand the full scope of the loss.

Take reasonable steps to prevent additional damage after a storm. This is often a requirement in your insurance policy. For example, if your roof is leaking, you might place a tarp over the hole. If a window is broken, you could board it up to keep rain and pests out.

Keep all receipts for materials or services used for these temporary repairs. Do not begin any permanent repairs until the insurance adjuster has assessed the damage. If you need immediate professional help, such as water extraction, hiring local water damage pros can be a critical step to stop the damage from worsening.

• Cover broken windows or doors with plywood or plastic sheeting.
• Place tarps over damaged sections of roof to prevent water entry.
• Remove saturated carpets or furniture to a dry area if safe to do so.
• Pump out standing water from basements or crawlspaces.
• Move undamaged belongings away from wet or unstable areas.
• Run dehumidifiers and fans in affected rooms to promote drying.

After the inspection, the adjuster will prepare a report for the insurance company detailing the covered damages and the recommended settlement. You will receive this report, often called a claim summary or settlement offer. Review it carefully against your own documentation and any contractor estimates you have gathered.

If you agree with the settlement, the insurer will issue payment, often in multiple installments. The first check is usually for emergency repairs, with subsequent payments for permanent repairs. If you disagree, you can discuss specific line items with your adjuster or follow your policy's dispute resolution process.