How to File a Storm Damage Insurance Claim

Winter is on the horizon, and the weather is getting colder every day. During the winter, Twin Cities area homes can become even more vulnerable to storm damage, and ice and snow bring their unique problems. Whether your storm damage involves water damage, broken windows, or damaged siding, there’s a good chance you’ll end up having to file a storm damage insurance claim.

At Restoration Network in Minnesota, we specialize in helping homeowners rebuild after disasters, from fire restoration to mold remediation to storm damage cleanup. And to make things easier, we work with homeowners daily to help them navigate the insurance claims process.

In this post, we’re covering everything you need to know to file a storm damage insurance claim. To get your life back on track faster after a winter storm, give our storm restoration services a call.

Know Your Insurance Policy

Before you make a claim, you should look at the details of your insurance policy. You can't file a claim without understanding your policy first.

Check whether your policy includes roof damage, water damage, and other types of problems. Also, make sure to learn about the kind of roof damage the policy covers, including hail or wind damage. Knowing what coverage you have makes it so much easier after the storm hits.

Check the Damage

You don’t want to go through the hassle of calling your agent without knowing the extent of the damage. So before you make a claim, ensure you've inspected all the problems in your house that you can assess safely. You should know the severity of the situation before contacting your insurer.

Call Your Insurance Agent

As soon as possible after you’ve discovered storm damage, contact your insurance agent about filing a claim. This is important for several reasons. First, many insurance companies limit the time you can file a claim.

The insurance claims process can also take time, and you need to get repairs completed quickly so the damage won’t worsen before you can get it fixed. If many people in your area are making claims, you could face a longer wait, so the sooner you call, the better.

Have Your Info Ready

When you call your insurance company, have your contact information and policy number ready. Keep the process running smoothly by being prepared with this information, and your claim can be processed more quickly, too. Additionally, if your family has special needs, let the agent know so you’ll be prioritized.

Document Everything

Your insurance adjuster will likely send someone to inspect the damage, but it’s always good to get your own documentation. If possible, keep copies of news articles about the storm. Use your phone to take pictures of anything you can safely photograph.

Additionally, submit an inventory of damaged items and losses along with their estimated value. If possible, gather receipts as well, and be sure to keep track of everything throughout the claims process.

Don’t Throw Anything Away Until Given the All-Clear

If you have damaged items that need to be repaired or replaced, make sure you’ve cleared them with the insurance adjuster before having anything removed from your property.

Ask About Emergency Services

If the damage to your home is extensive, you may need immediate assistance closing up your home, removing water, or boarding up your doors. In some cases, you may even require emergency housing. Ask your insurance adjuster what options are available.

Sign Up for Email or Message Alerts

Generally, most insurance companies keep you updated regarding the status of your claim through messages and email alerts. You can sign up to get all the updates without calling or visiting them in person.

Work With a Company Who Can Help With Insurance Claims

Getting an estimate for the repairs you'll need is always a good idea. Rely on a trusted company, like Restoration Network, to determine the cost of the repairs.

A reputable company will also work with your insurance to submit claims and keep your repairs on track, so you won’t have to worry about anything.

Twin Cities Storm Damage Repair Services

After connecting with your insurance adjuster, you’ll need to contact a professional storm damage cleanup contractor. At Restoration Network, we offer a full range of winter storm restoration services, including siding, gutters, windows, roofing repair services, and more.

Call our 24/7 emergency services when you need us at 612-564-0202 or contact us online for a free inspection today!