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How to Deal with Damage from Severe Weather - Shinberg-LTB Insurance

July 20, 2023

Home Insurance

Experiencing damage to your home after a severe storm can be distressing, but it’s essential to take prompt action to ensure your safety, prevent further damage, and start the recovery process. Here’s a step-by-step guide on what to do when your home is damaged by a severe storm:

Ensure Personal Safety:

The safety of you and your family is the top priority. Before entering or inspecting your damaged home, check for any immediate dangers, such as downed power lines, gas leaks, or structural instability. If you suspect any hazards, evacuate immediately and call emergency services for assistance.

Contact Your Insurance Company:

Notify your home insurance company as soon as possible to report the storm damage. Provide them with accurate details about the extent of the damage and follow their instructions regarding the claims process. They will guide you through the necessary steps and documentation needed to initiate your claim.

Document the Damage:

Take photographs and videos of the damage to your home, both inside and outside. This visual evidence will be essential when filing your insurance claim and can help in assessing the extent of the destruction.

Prevent Further Damage:

Take immediate steps to prevent further damage to your property. If it’s safe to do so, cover any openings in the roof or broken windows with tarps or plywood. This can help prevent water intrusion and additional destruction from rain or subsequent storms.

Secure Valuables:

If it’s safe to enter your home, remove valuable and essential items to prevent theft or further damage. Protect these items in a safe location until repairs can be made.

Keep a Record of Expenses:

Keep track of all expenses related to temporary repairs, accommodations, and any other costs incurred due to the storm damage. These expenses may be eligible for reimbursement through your insurance claim.

Avoid Making Permanent Repairs Immediately:

While you may need to perform temporary repairs to prevent further damage, avoid making permanent repairs until your insurance company assesses the situation. They might want to send an adjuster to inspect the damage before approving the claim.

Cooperate with Your Insurance Adjuster:

When your insurance company assigns an adjuster to your claim, cooperate fully and provide them with all necessary documentation and evidence. Be present during the inspection to point out specific damages.

Obtain Repair Estimates:

Get repair estimates from reputable contractors for the damages to your home. Submit these estimates to your insurance company for review and approval before proceeding with repairs.

Stay Informed:

Stay updated on local news and government advisories, especially if your area is prone to more severe weather. This will help you make informed decisions about the safety of your home and family during the recovery process.


Experiencing severe storm damage to your home can be overwhelming, but taking these steps will help you navigate the process of filing an insurance claim and beginning the restoration process. By prioritizing safety, documenting the damage, and working closely with your insurance company and qualified contractors, you can expedite the recovery and rebuilding of your cherished home.


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