How to File an Insurance Claim for Storm Damage

Many property owners invest in storm damage insurance to avoid shouldering these costs alone. However, filing an insurance claim for storm damage can be confusing, especially when property owners are juggling repairs or temporary housing. 

Here’s a clear resource that breaks down the answer to one of the frequently asked questions in insurance claims – “how to file a storm damage insurance claim?” We also outline here important legal considerations, and how storm damage claim attorneys at The Morgan Law Group can offer support.

Process of Filing a Storm Damage Insurance Claims

When a property sustains damage due to high winds, heavy rain, or other severe weather events, knowing how to file an insurance claim becomes a pivotal concern.  

The formal process of filing a storm damage insurance claim generally includes:

1. Reporting the Storm Damage

Time is a critical factor. Reach out to your insurance provider as soon as possible using their specified method – phone, online portal, or mail. 

Be ready to supply:

• Your policy number
• A concise summary of the storm damage insurance loss
• Any initial details about the severity of the impact

Reporting storm damage promptly not only protects your right to storm damage coverage under most policies but also initiates the internal processes for a property insurance claim evaluation. After a claim is opened, keep an eye on any instructions from your carrier regarding inspections or next steps.

2. Maintain a Communication Record

A thorough record of each interaction with your insurer is essential when filing a storm damage insurance claim. 

Create a log noting:

• Names of customer service agents, adjusters, and any other representatives
• Dates and times of calls, emails, or letters
• Key points of each discussion or correspondence

This record can serve as evidence if disputes arise, such as missed claim deadlines or contradictory information. It also helps demonstrate your own diligence in following up on the property insurance claim and meeting any demands made by the insurer.

3. Submit Required Paperwork

Insurance companies often need a signed Proof of Loss or similar document verifying the nature and extent of damage. Completing this paperwork accurately enhances your credibility and ensures that the final payout reflects the full scope of the loss. 

To meet this goal, you should:

• Review All Details: Compare the information in your Proof of Loss form against photos, repair estimates, and receipts.
• Include Supporting Evidence: Attach documentation showing roof damage, water intrusion, or compromised electrical systems.
• Adhere to Deadlines: Policies typically have time constraints. Submitting forms after these deadlines can weaken your storm damage insurance claims.

Filing a storm damage insurance claim requires diligence, timely action, and complete documentation. By promptly reporting damage, keeping a clear record of each exchange with your insurer, and submitting all requested forms, you strengthen your chances of a fair payout. When you face delays or any disputes from your insurer, storm damage lawyers can step in to ensure compliance with state laws governing insurance practices.

Preparations Before Filing a Storm Damage Insurance Claim

Before reaching the actual stage of filing your storm damage insurance claim, there are things you should do first with due diligence to assess the merit of your storm damage. These include evaluating the damage and collecting the evidence, and reviewing your insurance policy for storm damage coverage. 

1. Evaluating the Damage and Collecting Evidence

Thorough documentation is key when filing a storm damage insurance claim. Property owners should gather as much evidence as possible to demonstrate the impact of a hurricane, tornado, or any other severe weather event.

• Take Photos and Videos: Document all interior and exterior damage, including roof leaks, broken fences, and water stains. Clear visual evidence helps show what occurred.
• Save Repair Estimates and Receipts: A licensed contractor or professional can inspect the property and provide estimates for permanent repairs. Keep any receipts for temporary fixes or emergency services.
• Organize Home Inventory: Storms can damage personal belongings, so listing or photographing your possessions (including electronics, furniture, and valuable items) may help build a strong file.

Evidence presented in a timely manner can assist in getting a fair settlement for storm damage insurance claims. 

2. Reviewing Your Home Insurance Coverage 

After gathering evidence, the next step involves reviewing the storm damage insurance policy documents. Insurance plans vary; some may offer additional endorsements, while others exclude certain types of damage.

• Identify Policy Limits: These caps determine the maximum amount an insurance carrier will pay. Knowing the limits upfront allows property owners to determine if additional coverage or endorsements may be needed.
• Check Deductibles: Policies often carry a hurricane or windstorm deductible, calculated as a percentage of the property’s insured value. Understanding these numbers helps prepare for out-of-pocket costs.
• Look for Exclusions: Typical homeowner policies may exclude flood damage, mold-related issues, or pre-existing property conditions. Documenting damage right after a storm is essential to show it was caused by a covered event.

Staying informed about these can safeguard your right against bad faith practices of insurance companies.

Insurance Adjuster’s Inspection and Settlement Negotiation After Filing a Claim

After the insurance company receives a property insurance claim, an adjuster usually inspects the property to assess costs. 

• Be Present During the Inspection: Property owners or their representatives should accompany the adjuster to point out damage. An outside contractor or storm damage attorneys may also attend to answer any questions.
• Share Documentation: Present photos, repair estimates, and any relevant receipts. This can help confirm the scope of damage and potential costs.
• Document the Adjuster’s Findings: After the inspection, ask for a copy of the adjuster’s report or summary. If something appears overlooked or undervalued, property owners can bring those concerns to the insurer’s attention.

Once the adjuster’s report is finalized, the insurance company will either issue payment or provide a denial or partial denial. If a low settlement is offered, it can be beneficial to gather supplemental evidence or request a second inspection.

Recognizing The Need for Legal Support in a Storm Damage Claim

Filing a property insurance claim can become complicated if an insurer refuses to pay a fair amount or unnecessarily delays the process. Sometimes, an insurance company may require policyholders to sign certain documents or releases before fully paying a claim. 

Consulting our storm damage lawyers with The Morgan Law Group can help you  review these documents, especially when facing coverage denials or underpayments. If your insurer is refusing to pay what is owed, get in touch with our storm damage attorneys who understand state laws and insurance practices.

Call us at (866) 969-4968 or complete our online form to schedule your free case evaluation.