How to File a Storm Damage Insurance Claim

Posted By An Coon

While we can’t control Mother Nature, we can certainly prepare for her wild side. Storms can bring heavy rain, hail, and strong winds, potentially causing damage to your home. But fret not, because in this homeowner’s guide, we’re here to walk you through the process of filing a storm damage insurance claim. 

Inside this blog:

  • How to accurately assess storm damage to your roof and home’s exterior
  • Tips + tricks for navigating the claims process
  • How to mitigate further damage while waiting for a professional

Keep reading to discover all you need to know about how to file a storm damage claim with confidence!

Assess the Damage 🏚️


Before diving into the insurance claim process, it’s crucial to assess the damage accurately:

Safety First

Ensure the storm has passed and it’s safe to inspect your property. Be cautious of potential hazards, such as downed power lines or unstable structures.

Exterior Inspection

Start by examining your home’s exterior. Look for visible damage to your roof, siding, windows, and gutters. Take photos or videos to document the extent of the damage.

Interior Inspection

Check your home’s interior for leaks, water stains, and any signs of damage. Document these as well.

Personal Property

Assess any damage to personal property, such as vehicles or outdoor structures, like sheds or fences.

Contact Your Insurance Company ☎️

Once you’ve assessed the damage, it’s time to get in touch with your insurance company:

Prompt Reporting: Notify your insurance company as soon as possible. Policies typically have time limits for reporting storm damage insurance claims.

Have Information Ready: Be prepared to provide your homeowners insurance your policy number, date and time of the damage, a description of the damage, and any supporting documentation like photos or videos.

Ask Questions: Don’t hesitate to ask your insurance company any questions you have about the claims process or your coverage.

Document Everything 📸

Proper documentation is crucial when filing a storm damage insurance claim:

Photos and Videos

Visual evidence is powerful. Document the damage thoroughly with clear photos and videos. Take pictures from multiple angles and distances.

Keep Records

Maintain detailed records of all communication with your insurance company, including dates, times, names of representatives, and summaries of conversations.

Estimates and Receipts

Collect estimates for repairs, replacement costs, or any expenses related to temporary repairs. Keep receipts for any out-of-pocket expenses.

Reports and Documentation

Obtain any necessary reports or documents from authorities, like police reports for storm-related accidents.

Temporary Repairs and Mitigation 🔧

While waiting for your insurance claim to be processed, it’s essential to mitigate further damage:

Temporary Fixes: Address immediate issues to prevent further damage. Cover broken windows, tarp damaged roofs, or patch up leaks.

Keep Records: Document the temporary repairs you’ve made, including costs and materials used.

Preserve Evidence: Save damaged items and materials that may be needed for inspection by your insurance adjuster.

The Insurance Adjuster’s Visit 👷‍♂️

Your insurance company will likely send an adjuster to assess the damage:

Be Present

Try to be present during the adjuster’s visit to ensure they see all the damage firsthand.

Provide Documentation

Share the documentation you’ve gathered, including photos, videos, estimates, and receipts.

Ask Questions

Don’t hesitate to ask the adjuster questions or request clarification on any aspects of the inspection or the claims process.

Request a Copy

Ask for a copy of the adjuster’s report for your records.

The Claims Process 📄

Lawyer, broker or HR manager signing a contract agreement with client or employee. Financial advisor asking for womans signature for insurance, legal paperwork or claim document.

Once your insurance company processes your claim, here’s what to expect:

Claim Review: The insurance company will review your documentation and the adjuster’s report to assess the validity and extent of your claim.

Claim Approval: If your claim is approved, you’ll receive a settlement offer from your insurance company.

Negotiation: You have the right to negotiate the settlement offer if you believe it’s insufficient to cover your damages.

Payment: Once you agree on a settlement, your insurance company will issue payment to cover the approved claim.

Hire a Public Adjuster

If you’re struggling with the claims process or feel that your insurance company is not offering a fair settlement, you have the option to hire a public adjuster:


Public adjusters are insurance claims specialists who can assist you in navigating the claims process and negotiating on your behalf.

Fee Structure

Public adjusters typically work on a contingency fee basis, meaning they only get paid if your claim is successful.

Review and Research

Before hiring a public adjuster, research their qualifications, experience, and reputation to ensure you’re working with a reputable professional.

The Appeals Process

If your claim is denied or you’re dissatisfied with the settlement offered, you can appeal the decision:

Review Denial Reasons: Carefully review the reasons for the denial provided by your insurance company.

Gather More Evidence: If you believe your claim is valid, gather additional evidence or documentation to support your case.

File an Appeal: Follow your insurance company’s procedures for filing an appeal, and be prepared to provide a detailed explanation of why you believe your claim should be approved.

Tips for a Smooth Claims Process

Filing a storm damage insurance claim can be a complex process, but here are some tips to help ensure a smoother experience:

Regularly Review Your Policy: Understand your policy’s coverage, limitations, and exclusions before a storm hits.

Maintain Documentation: Keep detailed records of your property and maintain an up-to-date home inventory.

Safety First: Always prioritize safety when assessing damage and making temporary repairs.

Hire Reputable Contractors: When it comes to repairs, hire reputable contractors who are licensed and insured.

Stay Organized: Keep all documentation related to your claim organized and easily accessible.

Be Persistent: Don’t hesitate to follow up with your insurance company if there are delays or issues with your claim.

File a Storm Damage Insurance Claim Like a Pro 🌪️

Filing a storm damage insurance claim may seem daunting, but with the right knowledge and preparation, you can navigate the process effectively. Remember that your insurance policy is there to protect your home and belongings, so don’t hesitate to reach out to your insurance company for assistance and clarification when needed. Stay safe and well-prepared for whatever the weather may bring, and your home will remain a secure and comfortable haven for years to come! 

Contact our expert team of contractors at Boss Exteriors today and give your home the care and expertise it deserves. Give us a call or fill out our easy online form to ask us any questions or tell us your needs for your next project. We can’t wait to connect with you!


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