How Do I File a Storm Damage Claim With Insurance?

Before you move anything or start cleaning, take clear photos and videos of every area affected by the storm. Capture wide shots of each room and close-ups of damaged items, including serial numbers if possible. Also write a list of damaged belongings with their approximate age and value.

This documentation serves as your record when you talk to your insurer. It also helps the pros who assess the water damage understand what happened. If the storm caused structural issues, like a broken window or roof leak, photograph those too. Keep everything in a safe place until your claim is settled.

Once you have documentation and a clear understanding of your policy, call your insurance company to start the claim. Provide your policy number, the date of the storm, and a summary of the damage. They will give you a claim number and tell you what happens next.

Your insurer may send an adjuster to inspect the property. Be prepared to show them the damage and provide your documentation. If you need to make temporary repairs to prevent further damage, such as tarping a roof, keep all receipts for reimbursement consideration.

After you file, your insurer will review your claim and may send an adjuster. Be available for the inspection and answer any questions. Follow up with your insurer if you do not hear back within a reasonable time. Keep a log of all communications, including dates and names.

The claim process can take time, especially after a major storm. Stay organized and patient. If you disagree with a decision, you can appeal through your insurer's process. For complex damage, a water damage inspection by pros can provide additional evidence.