What to Know When Filing a Storm Damage Claim

Tree laying on top of a house
Tree laying on top of a house

Natural disasters can wreak havoc on homes, often leaving them wholly destroyed or severely damaged. When a storm hits, most homeowners are left wondering if their insurance policy will cover the cost of repairs. Trying to navigate through the paperwork and claims process on your own is an overwhelming experience. In this post, we’ll walk you through what to know when filing a storm damage claim to ensure you’re adequately compensated for your losses.

1. Review your policy

Before filing a claim, reviewing your policy to understand what’s covered and what’s not is essential. You’ll want to know your dwelling coverage, personal property coverage, and other additional protections. Knowing what coverage you have will help you determine what needs to be repaired and covered by your insurance policy.

2. Document the damage

Take pictures and videos of the damage to your property. You’ll want to capture everything from outside your home to the interior, including any leaks or water damage. This information will be helpful when you are filing a claim and will also serve as proof of the damage sustained.

3. Contact your insurance provider

You must quickly contact your insurance agent when you detect any damages. Ask them what documents they need you to prepare, including pictures and videos. Most policies have deadlines, so make sure that you comply with these and get your claims in on time.

If you are an Insureberry customer, you can call (877) 962-4776 to speak with a representative who can help walk you through the process of filing a claim.

4. Keep your receipts

When filing storm damage claims, it’s essential to save all of your repair and replacement expenses. You may need to show these receipts to your insurance provider to ensure that you are adequately compensated.

5. Work with a local contractor

Finding a reputable local contractor specializing in storm damage repairs is an excellent way to avoid overpaying. A local contractor will understand what needs to be done and can help you with the insurance claims process. They can also work with the insurance adjusters to ensure you get the proper compensation for your losses.

Filing a storm damage claim can be a daunting and overwhelming process, but it’s crucial to get the right amount of compensation for your losses. Understanding your policy, documenting the damage, contacting your insurance provider, keeping your receipts, and working with a local contractor will help make the process as smooth and straightforward as possible. So, if a storm hits you, make sure that you follow these steps carefully. By doing so, you’ll be more likely to get the compensation you deserve and get your home back to its pre-damage state!

For more insurance tips, read here.

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