How To File A Home Insurance Claim For Storm Damage

storm damage

Homeowners insurance is an essential coverage that provides protection against the financial losses caused by natural disasters such as storms. Storms can cause severe damage to homes, such as broken windows, roof damage, water damage, and flooding. According to the National Oceanic and Atmospheric Administration, the average number of billion-dollar weather and climate disasters in the U.S. has more than tripled since the 1980s, making it increasingly important for homeowners to understand the process of filing a claim for storm damage. 

The purpose of this blog post is to guide homeowners on how to file a claim for storm damage and ensure they receive the coverage they are entitled to. It’s important to understand that different types of storm damage may have different coverage limits, so it’s essential to review your policy carefully and understand what is covered and what is not. Before a storm hits, it’s a good idea to take inventory of your personal property, so you’ll have a record of what you own in case anything is damaged or destroyed.

Gathering Evidence

Gathering evidence of the storm damage is an essential step in filing a claim. According to the Insurance Information Institute, a policyholder should take photographs or videos of the damage to support their claim. It’s essential to document the damage as soon as possible to ensure that the insurance company has a clear understanding of the extent of the damage. This includes taking pictures from different angles, keeping receipts and invoices from any repairs done before the claim, and saving any debris from the storm. It’s important to keep in mind that the insurance company may send an adjuster to inspect the damage, so it’s essential to keep the area safe and accessible for them to do their job.

Contacting The Insurance Company

The next step in the process is to contact the insurance company as soon as possible. According to the National Association of Insurance Commissioners, most homeowners insurance policies require policyholders to notify the company within a certain time frame. It’s essential to have all the necessary information on hand when making the call, such as the policy number, date of the loss, and a description of the damage. It’s also important to keep a record of the date, time, and name of the person you spoke with. Some insurance companies also have online portals that allow you to file a claim electronically, so it’s worth checking if this option is available to you.

Filling Out The Claim Form

The insurance company will provide a claim form that must be completed and returned as soon as possible. According to the National Association of Insurance Commissioners, the claim form should include a detailed description of the damage, the date of the loss, and any other relevant information. Policyholders should be as detailed as possible when describing the damage, including any additional damage that may have been caused during the cleanup process. It’s important to include any estimates for repairs or replacement costs, as well as any invoices or receipts for expenses incurred as a result of the damage. When providing an estimate of the cost of repairs or replacement, it’s essential to get more than one estimate so that you can compare and provide the insurance company with the most accurate information.

Following Up

Filing a claim for storm damage is a process that can take some time, and it’s essential to follow up with the insurance company. According to the National Association of Insurance Commissioners, policyholders should send an email or make a phone call to the insurance company to inquire about the status of their claim. It’s important to be patient during this process and understand that it may take some time to resolve the claim. You should also keep track of all the communication with the insurance company and make note of any deadlines they may have provided. If you feel that your claim is not being handled fairly or in a timely manner, you can contact your state’s Department of Insurance for assistance. They can provide guidance on how to proceed and may even be able to intervene on your behalf.

Repairs and Replacement

Once the claim is approved, it’s important to understand the process of repairing or replacing the damaged items. The insurance company will likely have their own preferred vendors or contractors that they work with, but it’s important to do your own research as well. It’s essential to get multiple estimates and compare the costs and services being offered before making a decision. You should also check the contractor’s credentials, such as licensing and insurance, to ensure they are qualified to do the work. It’s also important to keep all the receipts and invoices from the repairs or replacement process to ensure that you are reimbursed for the full amount.


Filing a claim for storm damage can be a complex process, but understanding the steps and being prepared can make it a little easier. Gathering evidence, contacting the insurance company, filling out the claim form, following up, and repairing or replacing the damaged items are all important steps in the process. Homeowners should be aware that it may take some time to resolve the claim, and they should be patient during this process. If you have any questions or concerns, it’s essential to contact your insurance company or agent for further assistance. Remember that having home insurance provides financial protection in the event of natural disasters and is essential for every homeowner. It’s also important to review your insurance policy regularly and make sure you have the coverage you need to protect your home and personal property.


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