How to File a Home Insurance Claim After a Storm
Storms can cause significant damage to homes. If your home has been affected by a storm, it’s important to know how to file a home insurance claim. Here are some steps to follow:
1. Document the Damage:
- Take photos: Document the damage from all angles. This will help your insurance adjuster assess the extent of the damage.
- Keep a record: Note the date and time of the storm, as well as any witnesses.
- Secure your property: If your home is damaged to the point where it’s unsafe to live in, take steps to secure the property. This may include boarding up windows or securing the roof.
2. Contact Your Insurance Company:
- Review your policy: Familiarize yourself with your home insurance policy. This will help you understand what is covered and what is not.
- Contact your agent: Reach out to your insurance agent as soon as possible. They can guide you through the claims process.
3. Meet with Your Insurance Adjuster:
- Schedule an appointment: Your insurance company will send an adjuster to inspect the damage. Schedule a time that is convenient for you.
- Be prepared: Have your policy information and documentation ready. Be prepared to answer questions about the damage and how it occurred.
4. Make Temporary Repairs:
- Protect your property: If necessary, make temporary repairs to protect your home from further damage. Be sure to keep receipts for these repairs.
- Avoid permanent repairs: Don’t make permanent repairs until your insurance company has approved your claim.
5. Submit Your Claim:
- Complete the necessary forms: Your insurance company will provide you with the necessary forms to submit your claim.
- Provide supporting documentation: Include any supporting documentation, such as photos, receipts, and witness statements.
Additional Tips:
- Be patient: The claims process can take time. Be patient and follow the instructions provided by your insurance company.
- Keep detailed records: Keep detailed records of all communications with your insurance company. This will help you track the progress of your claim.
By following these steps, you can increase your chances of a successful insurance claim after a storm.
You may also want to check out Ohio’s Housing Counseling Disaster Recover Toolkit: Checklist: Counseling on Insurance Claims.