How to Submit a Claim for Damaged Property After a Storm

When a storm strikes, damaged roofs, flooded basements, or broken windows can be overwhelming. Filing a claim correctly—and quickly—can make all the difference. Here’s a step-by-step guide to submitting a storm damage claim, simplified with THAgency supporting your needs throughout the process.

1. Ensure Safety and Document the Damage

• Stay safe first: Don’t attempt repairs during unsafe conditions or electrical hazards.

• Take clear photos or videos of all damage—indoors and out—before cleanup.

• Include wide shots for context and close-ups for detail.

• Record timestamps (on your phone or in writing) to prove when damage occurred.

THAgency recommends beginning documentation immediately—it’s essential for a smooth claim.

2. Review Your Insurance Policy CVoverage Details

• Know your perils covered (wind, hail, water damage, debris).

• Check your deductible amount—higher deductibles may affect your repair eligibility.

• Understand coverage limits and any exclusions (e.g. flood vs. wind damage).

• Make sure your policy is current and active before the storm.

THAgency can help verify that your event is covered and walk you through the specifics.

3. Notify THAgency (and Your Insurer) Promptly

• Report the damage as soon as it’s safe—most policies require claims within 24–72 hours.

• Provide basic incident details: date, type of storm, and estimated damage

• Ask for claim or file reference numbers, and confirm the next steps.

THAgency will assist with filing, follow-up, and ensuring the insurer starts processing your claim quickly.

4. Submit Your Proof of Loss Package

A complete Proof of Loss increases the chance of a fair settlement:

• Include your documentation: photos, video, timestamps, and inventory lists

• Add repair or replacement estimates from licensed contractors

• Attach supporting documentation: HVAC, plumbing, or structural inspections

• Include your Proof of Loss form if required

THAgency helps compile the submission—ensuring completeness and accuracy.

5. Co‑operate with the Insurance Adjuster

• An adjuster may inspect in person or request additional documentation

• Provide full access and answer questions honestly

• Keep receipts and records for any temporary repairs you make

• Stay proactive—schedule inspections, follow up on deadlines

With THAgency’s help, you’ll stay informed and prepared during the process.

6. Review the Settlement Offer

Once the insurer sends an estimate:

• Ensure it covers all damaged items, tools, structural issues

• Compare their scope to your estimates—ask for explanations or revisions if needed

• Address depreciation, permit costs, or building code upgrades

• Approve it or dispute the offer with evidence and THAgency’s support

7. Dispute or Appeal If Necessary

If you believe the payout is unfair:

• Submit alternative estimates or expert opinions

• Request a second inspection or appraisal

• Ask your agent to advocate for a better settlement

• Consider external review, mediation, or legal support

THAgency can introduce you to restoration experts or legal advisors for complex claims.

8. Complete Repairs and Close the Claim

• Schedule permanent repairs after approval

• Submit receipts and final invoices

• Document completed work with photos

• Confirm claim closure and fund disbursement with THAgency and your insurer

Final Takeaway

Storm damage is stressful—but a clear, thorough claim journey can ease the path to full recovery. With timely documentation, accurate filing, adjuster cooperation, and strategic appeals, you increase your chances for a fair settlement. And with THAgency guiding you throughout, every step becomes more manageable and effective.

Need Help Filing Your Storm Damage Claim?

Get a free claim support session with THAgency today. We’ll review your policy, assist with documentation, liaise with adjusters, and advocate for your best possible settlement—fast.