Severe storms can strike with little warning—bringing heavy rain, strong winds, hail, and even fallen trees. When your home suffers storm damage, quick action is essential to reduce risks and begin the recovery process. Here’s what to do immediately after a storm hits your property.

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1. Stay Safe and Check for Hazards

After a storm, safety is the top priority. Before inspecting your home:

• Stay away from downed power lines or exposed wires.

• Avoid walking through floodwater or debris.

• Turn off the power supply if there’s water intrusion.

If the damage looks severe or unsafe, wait for professionals to assess the scene.

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2. Assess Visible Damage (Safely)

Once it’s safe, carefully inspect your property:

• Look for broken windows, missing shingles, or water leaks.

• Check your roof, siding, gutters, and attic for damage.

• Take photos and videos to document everything for insurance.

Avoid climbing on the roof—it could be unstable.

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3. Contact Your Insurance Provider

Notify your homeowners insurance company right away. Provide:

• Description of the damage

• Photos or videos

• Date and time of the storm

They’ll guide you on the claims process and next steps.

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4. Prevent Further Damage

Take temporary measures to avoid more harm:

• Tarp the roof if it’s leaking

• Board up broken windows or doors

• Remove valuable items from flooded areas
  These actions may also be required by your insurance policy.

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5. Call an Emergency Restoration Company

Professional storm damage restoration teams can:

• Inspect structural damage thoroughly

• Provide water extraction, roof repair, or mold prevention

• Work directly with your insurance company

They’ll ensure your home is safe, dry, and on the path to full restoration.

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6. Keep Records of All Expenses

Save receipts for:

• Temporary lodging

• Emergency repairs

• Cleanup services

These may be reimbursable under your policy.

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FAQs

Q1. What kind of storm damage is usually covered by insurance?
Most standard policies cover wind, hail, water intrusion (not flooding), and fallen trees. Flood damage may require separate coverage.

Q2. Should I wait for my insurance adjuster before starting repairs?
No—take steps to prevent further damage right away. Just be sure to document everything first.

Q3. How long does storm damage restoration take?
It depends on the extent of the damage, but most emergency services start within 24–48 hours.

Q4. Can I remove tree limbs or debris myself?
Only if it’s safe and manageable. For large trees or dangerous debris, hire a professional.

Q5. What if my roof is leaking after a storm?
Use a tarp to temporarily cover the area and call a restoration expert for permanent repairs.