Reporting storm damage to your insurance company

Act Quickly: The Clock Starts Now

As severe storms swept through Maine, causing widespread damage, it's crucial for homeowners and drivers to act swiftly. The aftermath of such events often brings a mix of challenges, from power outages to structural damage. Understanding the steps to take immediately can make a significant difference in the recovery process.

The moment the storm passes, the countdown begins. Most insurance policies require that damage be reported promptly, so don't delay in starting your claim. Taking quick action not only helps in securing reimbursement but also prevents further damage to your home or vehicle.

Document Everything Thoroughly

One of the most important steps in the claims process is documenting all the damage. This includes taking photos and videos of the affected areas. Capture before-and-after images if you have any pre-storm photos. Document all visible damage to your home, roof, siding, windows, and vehicle. For hail damage, include close-up shots of dents, cracks, and shattered glass. Place a coin or ruler next to hail impacts or hailstones to show size.

Creating an itemized list of what was damaged or destroyed is also essential. Include furniture, electronics, roof shingles, siding, car panels, and other items. Note the estimated values, model numbers, and purchase dates if available. Also, document where each item was located when the damage occurred.

Protect Your Property from Further Damage

If it’s safe to do so, take immediate steps to protect your property from further damage. Cover broken windows or holes in the roof with tarps or plastic sheeting to keep out rain. Board up broken doors or garage openings. Move undamaged items away from affected areas inside your home. These actions not only help protect your home but also demonstrate to your insurer that you acted responsibly to prevent further damage.

Important: Do not throw away damaged items until your insurance adjuster has seen them, unless they pose a safety hazard.

Save All Receipts and Records

Keep receipts for any emergency repairs you make, such as boarding up windows or hiring a roofer for temporary fixes. Save invoices for replacement items if you had to buy anything urgently. These records will be invaluable when seeking reimbursement from your insurance company.

Report the Damage to Your Insurance Company

As soon as possible, call your insurer or file a claim online. Have your policy number ready. Provide a detailed description of the damage and the approximate time the storm hit. Note any immediate repairs you made and offer documentation. Some companies may allow you to upload photos directly through their website or mobile app.

Special Tips for Hail Damage Claims

For hail damage, avoid washing your car until after the adjuster inspects it—hail dents can become less visible on a clean surface. For roofing and siding damage, consider having a professional contractor inspect for issues that may not be visible from the ground. Hail can sometimes cause leaks that develop days later—watch for new water stains or drips even if everything looked okay at first.

During the Claims Process

Keep a record of every interaction with your insurance company, including names, dates, and summaries of conversations. Ask for a copy of the claim report. If the damage is extensive, you may want to consider hiring a public adjuster—a professional who works on your behalf to ensure a fair settlement.

Final Thoughts

Storm damage is stressful, but by staying organized and proactive, you can make the claims process smoother and faster. Take clear photos, report everything quickly, and keep all records. If you’re unsure about any part of your policy or the claims process, don’t hesitate to ask your insurance provider for clarification.

And remember: safety first. If your home is unsafe to stay in due to structural damage or flooding, contact your insurer about temporary housing coverage, which many homeowners’ policies include.