Complete Guide to Filing Your Storm Damage Claim
Filing a storm damage insurance claim correctly the first time is crucial for avoiding delays and denials. Follow this comprehensive step-by-step process.
📞 Step 1: Contact Your Insurance Company (Within 24 Hours)
- Call the claims hotline - Available Year-Round for most insurers
- Provide policy details - Have your policy number ready
- Describe damage briefly - Give an overview, not detailed specifics yet
- Request claim number - Write it down and use it in all communications
- Ask about emergency repairs - What's covered and spending limits
📋 Step 2: Document Everything Thoroughly
- Photo inventory - Take pictures of all damage from multiple angles
- Video walkthroughs - Narrate the damage as you record
- Written inventory - List all damaged items with descriptions
- Receipts and warranties - Gather proof of purchase for damaged items
- Before and after photos - If you have pre-storm photos, include them
🏠 Step 3: Professional Damage Assessment
- Get multiple estimates - From licensed, insured contractors
- Detailed scope of work - Line-item estimates for all repairs
- Hidden damage inspection - Professional assessment may reveal additional issues
- Code upgrade requirements - Factor in mandatory improvements
- Temporary living expenses - If home is uninhabitable
📑 Step 4: Submit Complete Claim Package
- Completed claim forms - Fill out all sections completely
- Proof of loss statement - Detailed inventory with values
- Professional estimates - From reputable contractors
- Photos and videos - Organized and clearly labeled
- Supporting documents - Receipts, warranties, previous inspection reports
👨💼 Step 5: Work with the Insurance Adjuster
- Schedule promptly - Don't delay the adjuster inspection
- Be present during inspection - Point out all damage areas
- Provide your contractor estimates - Compare with adjuster's assessment
- Ask questions - Understand what's covered and what's not
- Get written summary - Request adjuster's report in writing
StormHelpLine Advantage: Our team includes licensed public adjusters who can represent your interests throughout the claims process. We ensure you receive the maximum settlement you're entitled to. Call (956) 833-2849 for a free claim review.
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