When severe weather rolls through Indiana, most homeowners have the same question:
“What do I do if my home gets damaged?”
As an insurance agent, I’ve helped hundreds of homeowners navigate storm claims. The biggest mistake I see isn’t necessarily the damage itself—it’s not knowing what to do immediately afterward.
If your home experiences storm damage, here are a few important steps to take.
1. Protect Your Property from Further Damage
Once it is safe to do so, take reasonable steps to prevent additional damage from occurring.
That could mean:
- Placing a tarp over a damaged roof
- Boarding up broken windows
- Removing a tree that has fallen onto a structure
- Purchasing temporary supplies during a power outage
As a homeowner, you have a responsibility to help prevent additional damage when possible. Waiting too long to address an issue can sometimes make a claim more complicated.
2. Take Photos and Videos Before Cleanup Begins
Before moving debris or making repairs, document everything.
Take photos and videos of:
- Damaged roofing
- Fallen trees
- Broken windows
- Water intrusion
- Damaged personal property
The more documentation you have, the easier it will be to explain what happened if a claim becomes necessary.
3. Keep Every Receipt
This is one of the most overlooked parts of a storm claim.
Save receipts for:
- Emergency repairs
- Tree removal
- Tarps and building materials
- Hotel stays
- Generators
- Supplies purchased due to a power outage
Good documentation can make a huge difference when discussing storm-related expenses with your insurance company.
4. Understand That Every Claim Is Subject to Coverage and Deductibles
Many homeowners assume that because a storm caused damage, everything is automatically covered.
That’s not always the case.
Every insurance policy contains specific terms, conditions, exclusions, and deductibles. Coverage depends on the facts of the loss and the details of your individual policy.
Before filing a claim, it’s always a good idea to review your deductible and understand what your policy covers.
5. Be Careful Who You Hire
Unfortunately, severe weather often attracts contractors looking to take advantage of homeowners.
Be cautious if someone:
- Knocks on your door immediately after a storm
- Pressures you to sign paperwork on the spot
- Promises a “free roof”
- Tells you they’ll make sure insurance pays for everything
- Requests an Assignment of Benefits without fully explaining it
Take your time, ask questions, and work with reputable local contractors whenever possible.
6. Expect Delays After Widespread Storms
One of the biggest frustrations homeowners face is waiting for an adjuster.
After a major storm, insurance companies may receive thousands of claims within a matter of days.
When that happens, carriers typically prioritize homes that:
- Are unlivable
- Have major structural damage
- Present safety concerns
- Have displaced families
If your damage is less severe, it may take longer for an inspection to occur.
That doesn’t mean your claim is being ignored. It simply means resources are being directed toward policyholders facing the most urgent situations first.
The Most Important Thing: Stay Safe
Homes, roofs, fences, and trees can all be repaired or replaced.
People cannot.
Your family’s safety should always come first.
If you experience storm damage and have questions about the claims process, our team is here to help. While we can’t control how quickly an insurance company responds after a catastrophic event, we can help explain the process, answer questions, and advocate for you along the way.