Can I claim on my insurance for storm damage, and how does the claim work?
Short answer. Yes. Wind, hail, lightning, falling trees and the weight of ice or snow are covered causes in most homeowners policies, so storm damage is exactly what the policy is for. You document the damage, report it promptly with the storm date, meet the adjuster, review the estimate, complete repairs and collect any held back depreciation.
The claim from start to finish
- Storm day. Stay safe, then photograph damage around the house: roof from the ground, gutters, siding, windows, fences, AC unit. Stop active leaks with a tarp.
- Inspection. Have a roofer check the roof up close so you know whether the damage is above your deductible. See the after a storm checklist.
- Report. Call or file online with the date of loss. You will get a claim number.
- Adjuster visit. The insurer inspects, often within days to a few weeks depending on storm volume. Be there, with your roofer if possible.
- Estimate. You receive a written estimate and the first payment, usually actual cash value minus your deductible.
- Review. Compare the estimate to the actual work required. Missing items can be added by supplement.
- Repairs. Sign with a contractor, endorse checks (your mortgage lender may be on them), and complete the work.
- Final payment. Send the final invoice to release held back depreciation if your policy pays replacement cost.
Things that can derail it
- Waiting months to report, which raises questions about the cause
- Damage below your deductible
- Damage that is mostly age related
- Missing your policy's deadlines
For time limits, see the Georgia claim timeline, and for the step by step filing, how to file a roof claim.