What is the storm damage claim process?

1. Safety and mitigation

Stay clear of downed lines and damaged trees. Stop water from entering: tarp openings, board windows, move belongings, run fans and dehumidifiers. Keep receipts; reasonable mitigation is usually reimbursed, and failing to mitigate can reduce the payout. See your duty to mitigate.

2. Document

Photograph and video every room and every side of the house before cleanup. Keep damaged materials until the adjuster has seen them, or photograph them before disposal.

3. Sort the claims

• Homeowners: roof, siding, windows, fences, trees on structures, interior water damage through storm openings, belongings and extra living costs.
• Auto: hail or tree damage to cars, under comprehensive.
• Flood: water rising from the ground, only if you carry a flood policy.

One storm usually means one homeowners deductible for everything on that claim.

4. Report and inspect

Report with the storm date and a factual summary. Get a roof inspection so you know the full extent before the adjuster arrives, and have your roofer attend.

5. Estimate and resolve

Read the estimate line by line. Missing items go back as a supplement; disagreements over the amount can go to appraisal.

6. Repair and close out

Hire licensed, insured contractors, complete the work, and send final invoices to collect withheld depreciation. If your mortgage company is on the check, follow its loss draft process.

The Georgia claim timeline shows how long each stage typically takes.