Homeowner Storm Resources

Helpful information for protecting and documenting your property after a storm.

🗓️ Storm Reporting Windows

Understand when and how to file a storm damage report.

Most insurance policies have a deadline for filing storm damage claims after a weather event. Here’s what you need to understand regarding storm reporting windows:

  • Post-Storm Deadline: Report storm damage as soon as possible after the event. Most insurance companies give 1-2 years from the incident date.
  • Typical Periods: Six months to two years are standard windows.
  • Professional Documentation: Getting an inspection report can help validate and expedite your claim.

Guidance on navigating the insurance process after storm damage.

Keep your file clean. Most claim delays happen because people submit weak documentation and then scramble later.

  • Take dated photos: Capture roof edges, vents, gutters, ceilings, and any visible debris impact.
  • Keep notes: Write down the storm date, what you noticed, and when symptoms first appeared.
  • Save receipts: Temporary mitigation work and emergency expenses should be documented.

Find out when and why to get a professional roof inspection.

Do not wait for a major leak before you take action. A lot of costly roof issues start with small signs people ignore.

  • Request a review when: You notice missing shingles, lifted tabs, dents, stains, or debris impact.
  • Stay safe: Ground photos are enough. Do not climb the roof just to gather proof.
  • Compare history: Prior inspection notes can help show what changed after a storm.

How to identify common signs of storm damage to your home.

Minor signs usually show up before major failures. Catching them early matters more than people think.

  • Exterior: Broken shingles, bent flashing, dented vents, clogged downspouts.
  • Interior: Ceiling stains, attic moisture, peeling paint, damp smell.
  • Around the home: Fence damage, screen tears, branches down, scattered debris.

Tips and Resources for Homeowners

Learn more about protecting your home before, during, and after a severe storm. The resources below provide important information about storm reporting deadlines, navigating insurance claims, getting professional roof inspections, and spotting signs of storm damage to your home.

Tips and Resources for Homeowners

When in Doubt

Call your insurance provider to ask about your specific storm reporting deadline. Prompt reporting is crucial for faster claims processing.

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