What Is the Storm Damage Insurance Claim Process?

Before you touch anything, take photos and videos of all storm damage, including water stains, broken windows, and fallen branches. Capture wide shots and close-ups. Write down the date and time of the storm, and list every damaged item with its approximate age and value.

Keep receipts for any temporary repairs you make, like tarping a roof or boarding a window. These costs may be part of your claim. If you live in Oakland, keep your emergency repair receipts in a dry, safe place. Good documentation helps your claim move smoothly.

• Take photos before cleanup
• List damaged items with details
• Note the storm date and time
• Save receipts for temporary repairs
• Record any water levels or stains

After you file, your insurance company sends an adjuster to inspect the damage. The adjuster walks through your property, takes notes, and may photograph the affected areas. They compare what they see with your policy's coverage to determine what the claim will pay for.

You can be present during the inspection. Point out all damage, even if it looks minor. If you have a list of damaged items, share it. The adjuster's report helps your insurer decide the claim amount. Ask questions if you do not understand their findings.

After the claim is approved, schedule the repairs with the pros. Keep all invoices and receipts from the work. If the repair costs exceed the claim amount, you may need to discuss that with your insurer. Sometimes additional damage is found during repairs, which may require a supplement.

Track all communication with your insurer, including emails and phone calls. Note dates and names of people you speak with. If your claim is delayed or denied, ask for a written explanation. You have the right to appeal or ask for a review. Policies vary, and your insurer decides what is covered.