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How to File a Storm Damage Insurance Claim
Restoration Network

How to File a Storm Damage Insurance Claim

Winter is on the horizon, and the weather is getting colder every day. During the winter months, Twin Cities area homes can become even more vulnerable to storm damage, and ice and snow bring their own unique set of problems. And 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 more. And to make things easier, we work with homeowners every day 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.

1.   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 a number of reasons. First, many insurance companies limit the time you’re able to 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. And if many people in your area are making claims, you could face a longer wait.

When you call your insurance company, have your contact information and policy number ready. Additionally, if your family has any special needs, let the agent know so you’ll be prioritized.

2.   Document everything.

Your insurance adjuster will more than likely send someone out 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.

3.   Don’t throw anything away until you’re given the all-clear.

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

4.   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.

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, and 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.

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