Storm Damage Insurance Claim

Multiple Damage Types

Storms cause wind damage, water intrusion, hail impacts, and debris damage simultaneously. Insurance adjusters try to separate these, arguing some damage is covered while other damage falls under exclusions. For example, they may cover wind damage but exclude water damage that resulted from the wind damage.

Causation Disputes

Insurance companies argue that damage was pre-existing or caused by maintenance issues rather than the storm. They'll point to any sign of prior wear as evidence the storm didn't cause the damage.

Hidden Damage

Storm damage often isn't fully visible immediately. Water may have penetrated walls, insulation may be compromised, and structural damage may not be apparent until repairs begin. Initial estimates miss this hidden damage.

Catastrophic Event Delays

After major storms affecting thousands of properties, adjuster shortages cause massive delays. Your claim may sit for weeks or months while you need emergency repairs.

• Document Pre-Storm Condition — If possible, have photos showing property condition before the storm
• Get Weather Reports — Obtain official reports showing wind speeds and storm intensity
• Photograph All Damage Immediately — Document everything before any cleanup or repairs
• Show Causation — Photograph how storm damage led to secondary damage
• Document Emergency Repairs — Keep receipts for tarps, board-up, and water extraction
• Get Multiple Contractor Estimates — Detailed estimates for all types of damage
• Request Engineering Assessment — For significant structural damage
• Document Hidden Damage — If contractors discover additional damage, photograph and document immediately
• Track All Expenses — Keep receipts for temporary housing, meals, and emergency supplies
• Compare to Neighbors — If neighbors have similar damage, it supports storm causation