Storms can cause significant damage to your property, from structural harm to roofing issues, water infiltration, and more. When this happens, your insurance can be a lifeline to help cover repair costs. However, successfully filing a storm damage claim isn’t always straightforward; it requires specific steps and attention to detail to ensure you get the compensation you need. Here’s a comprehensive guide on the steps to get your insurance to cover storm damage.

Step 1: Review your insurance policy

Why it matters:

Each insurance policy is unique and has different levels of coverage. Knowing the specifics of your policy is the first step in understanding what damages it will cover.

What to look for:

• Coverage limits: Check if your policy covers storm damage specifically, and note the maximum limit for any claim.
• Deductibles: Your deductible is the amount you must pay out of pocket before insurance kicks in. Make sure you’re aware of this, as it impacts the final payout.
• Exclusions: Some policies may exclude certain types of storm damage, like flooding, wind damage, or hail damage, which could require separate coverage, such as flood insurance.

This initial review will give you a solid understanding of what your policy can and cannot cover, so you’re well-prepared when filing a claim.

Step 2: Document the damage immediately

Why it matters:

Documentation is critical to filing a successful claim. Insurance adjusters need proof of the damage directly caused by the storm to validate your claim, so capturing clear evidence is essential.

What to document:

• Photographs: Take clear, close-up, and wide-angle shots of all damage to the property, including the roof, siding, windows, and interior. Photograph every visible area impacted by the storm, and don’t forget to capture timestamps on your images if possible.
• Videos: Walk through your property with a camera to film each affected area. A video can show the scope and severity of damage more comprehensively than photos alone.
• Written inventory: Write down a list of damaged items, structural issues, and any items that need immediate repair. Be as detailed as possible, including each item’s age, estimated value, and condition before the storm.

This documentation will act as key evidence during the claim process, helping ensure your claim is processed fairly and accurately.

Step 3: Contact your insurance company promptly

Why it matters:

Many policies have time limitations for filing claims, so notifying your insurance company as soon as possible is crucial. Early reporting also means you can get your claim in line sooner, speeding up the payout process.

What to do when you call:

• Provide basic information: Share a general overview of the damage and the date and time of the storm.
• Request instructions: Ask the claims representative about the specific steps you need to take and any documents they require. This may include policy numbers, photographs, or a description of the damage.
• Get a claim number: Record your claim number and contact information for your claims adjuster. This will be essential for tracking your claim’s progress.

This early contact sets the claim process in motion, ensuring that your insurance company is aware of your situation and can provide guidance on what they need from you.

Step 4: Mitigate further damage

Why it matters:

Most insurance policies require you to take reasonable steps to prevent further damage after a storm. Failing to do so can lead to claim denials, as the insurance company might argue that additional damage resulted from neglect, not the storm itself.

How to mitigate damage:

• Temporary repairs: If your roof leaks, consider placing a tarp over the damaged areas to prevent further water infiltration. You can also cover broken windows with plastic or plywood to keep out rain and debris.
• Document repair actions: Document them as you make temporary repairs. Take photos and keep receipts for any materials or services purchased to temporarily fix the damage. These expenses are often reimbursable, so save all proof of payments.

These preventative actions will help demonstrate to your insurance company that you took appropriate measures to protect your property and that additional damages weren’t due to neglect.

Step 5: Keep detailed records of all communications and expenses

Why it matters:

The insurance claim process can be lengthy, and keeping accurate records can help you stay organized and provide proof if any disputes arise.

What to record:

• Communication log: Record every call, email, or interaction with your insurance company, contractors, and adjusters. Note down dates, times, and the names of people you spoke to.
• Receipts and estimates: Track all out-of-pocket expenses, including receipts for temporary repairs and estimates for professional restorations. These documents may be essential for reimbursement.
• Insurance documents: Keep copies of all documents, forms, and claims information. Having everything organized will make it easier to reference if issues arise.

This comprehensive record will give you a clear timeline of your claim process, making it easier to resolve any delays or questions from the insurance company.

Step 6: Schedule an adjuster inspection

Why it matters:

After your initial call, the insurance company will likely assign an adjuster to inspect your property. This inspection is crucial in evaluating your damage and the total claim amount.

How to prepare for the inspection:

• Be present during the inspection: If possible, accompany the adjuster. This will allow you to point out specific damaged areas and provide context for your submitted photos and documentation.
• Ask questions: Don’t hesitate to ask the adjuster questions about what they’re looking for or why certain areas are evaluated in a particular way.
• Document their visit: Take notes on the adjuster’s observations and any suggestions or information they provide. Sometimes, a second inspection may be necessary if damages appear more extensive than initially assessed.

Being proactive during the inspection helps ensure that the adjuster completely understands your property’s condition and the extent of the damage.

Step 7: Understand the settlement offer

Why it matters:

Once the adjuster has completed their report, your insurance company will issue a settlement offer based on the estimated cost to repair the damage.

What to consider:

• Compare the offer to estimates: Before accepting, compare the offer to the repair estimates you’ve received from contractors. If the offer is significantly lower, consider discussing the discrepancy with your adjuster.
• Request a second opinion if needed: If you feel the initial settlement offer is too low, you can request a second inspection or even hire a public adjuster to provide an independent evaluation.
• Clarify any questions: Make sure you fully understand the terms of the settlement offer, including any deductibles, exclusions, or conditions that might impact the final payout.

Carefully reviewing and understanding the settlement offer will give you confidence that your claim is being handled fairly and that the offer aligns with the actual cost of repairs.

Step 8: Hire a professional restoration company

Why it matters:

In cases of severe storm damage, a professional restoration company is invaluable. Companies such as JD Restorations specialize in handling extensive water damage, mold removal, odor removal, and more, ensuring your property is restored safely and thoroughly.

How to choose a restoration company:

• Verify credentials and insurance: Confirm that the company is licensed, insured, and has a reputable history of working with insurance claims.
• Request detailed estimates: A reputable restoration company will provide a comprehensive estimate outlining labor costs, materials, and timelines for completing the repairs.
• Coordinate with your insurance: Some restoration companies work directly with insurance companies, which can help streamline the claim and payment processes.

By choosing a reliable restoration company, you can rest assured that your property will be restored efficiently, minimizing the potential for future issues.

Step 9: Follow up on your claim’s progress

Why it matters:

After filing a claim, staying proactive can help avoid delays and ensure the process goes smoothly. Sometimes, a simple follow-up can prevent paperwork issues or approval delays.

How to follow up effectively:

• Check-in regularly: Contact your claims representative periodically to inquire about the claim’s status and confirm if any additional information is needed.
• Submit additional documents promptly: If your insurance company requests more information, provide it immediately to prevent unnecessary delays.

This proactive approach will help ensure that your claim moves through the process efficiently and that you get the compensation you need sooner.

Don’t wait—get the storm damage coverage you deserve

Storm damage can be a stressful experience, but following these steps can make your insurance claim smoother and increase the chances of getting the coverage you need. Remember, each step— from documenting the damage to following up with your insurance provider— is essential in securing your claim and protecting your property’s future.

Don’t wait until it’s too late. At JD Restorations, we help you protect and restore your property after any natural disaster. Call us today at 877-422-9217 to schedule a non-cost 45-minute inspection. We have locations in Miami, Tampa, Orlando, and Houston, and can travel to affected areas during an emergency.