Storm damage is not only unexpected, but an extremely stressful process to go through. When you're dealing with storm damage, your top priority will be getting the damage repaired and making your home livable once again. The majority of homeowner's insurance policies cover storm damage, so it is simply a matter of filing the claim correctly. The faster that you follow these steps, the more quickly you can get your home back in tip-top shape again.
Step 1: Get the Homeowner's Policy In Hand
Locate a copy of your homeowner's insurance policy if at all possible. You'll need to thoroughly read over the policy to determine precisely what will be covered, and how much you'll have to contribute towards the storm repairs (the deductible.) The policy will also outline the proper time frame and procedure for filing your claim.
Step 2: Gather the Necessary Information
Before any claim can be filed, all the numbers have to be assembled. This means gathering not only the insurance policy number, but also the date (and time, if possible) of the storm. Many storms involve damage from debris or hail, so if possible you'll need to measure the impacted area with a ruler. All of this information is extremely helpful when completing paperwork, so make sure the info is right in front of you before you begin the next step.
Step 3: Fill Out Insurance Paperwork
The insurance company's claim paperwork is typically very easy to navigate. Your insurer may allow for online submission of insurance claims, or for starting the claim over the phone. Double check every single blank on the form before submission, as a single error could delay compensation. Be sure to follow up with the insurance company the day after the form was submitted to be sure that it's being processed. After that, you should have a quick and easy compensation process.
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