Storm Damage Insurance Claims: What You Need to Know

11/14/2023 (Permalink)

Our team of experts is ready to assist you in getting your property back to its pre-storm condition.

When a storm wreaks havoc on your home or business, the last thing you want is to be overwhelmed by the complexities of an insurance claim. Understanding the process and knowing what to do can make a significant difference in how smoothly and successfully your storm damage claim is resolved. In this blog, we will walk you through the key aspects of storm damage insurance claims, providing you with valuable insights and tips to navigate the process effectively.

1. Document the Damage

The first step in any storm damage insurance claim is to thoroughly document the damage. This documentation is crucial for substantiating your claim. Here's what you need to do:

• Take Clear Photos and Videos: Capture the extent of the damage from multiple angles, ensuring that you cover all affected areas. These visual records will serve as essential evidence during the claims process.

• Create an Inventory: List all damaged items, including their value, purchase date, and any relevant receipts. This will help in assessing the extent of your loss.

2. Contact Your Insurance Company

Notify your insurance company as soon as possible after the storm. Be prepared to provide them with the following information:

• Policy Information: Have your policy number and details ready.

• Claim Details: Explain the type and extent of damage and the date it occurred.

• Contact Information: Ensure your contact information is up to date so that the insurer can reach you promptly.

3. Understand Your Policy

It's crucial to understand the specifics of your insurance policy. Not all policies cover the same types of storm damage. Here are some things to consider:

• Coverage Limits: Know the limits and deductibles on your policy.

• Exclusions: Understand what your policy does not cover.

• Additional Coverages: Some policies offer optional endorsements for specific perils, such as flood or sewer backup coverage.

4. Mitigate Further Damage

Insurance companies may require you to take reasonable steps to prevent further damage to your property. Failure to do so might affect your claim. Be sure to:

• Cover Exposed Areas: Use tarps or boards to cover openings in your home or roof to prevent more damage from rain or debris.

• Keep Records: Document any expenses related to temporary repairs.

5. Work with the Adjuster

An insurance adjuster will assess the damage, so be prepared for their visit. Here's what you can do:

• Provide Evidence: Show the adjuster your photos, videos, and documentation.

• Be Present: Be available to answer questions and provide access to all damaged areas.

• Get a Detailed Report: Ensure that the adjuster provides a detailed report of the damage and their assessment.

6. Keep Records

Throughout the claims process, keep a record of all communications with your insurance company. This includes emails, letters, and phone call details. Having a paper trail can be beneficial if any disputes arise.

7. Seek Professional Assistance

If the process becomes complex or disputes arise, consider seeking legal or professional help. Public adjusters or attorneys can assist you in negotiations and ensure that your rights are protected.

Navigating a storm damage insurance claim can be challenging, but with the right knowledge and preparedness, you can ensure a smoother process. Document the damage, understand your policy, and maintain open communication with your insurance company and adjuster. Should you need assistance along the way, don't hesitate to seek professional help. Remember, we're here to help you during this stressful time.

For professional storm damage restoration and assistance with your insurance claim, contact SERVPRO® of Woodlands Hills. Our team of experts is ready to assist you in getting your property back to its pre-storm condition.