What to Do Immediately After Storm Damage

Storms can leave behind chaos—from broken windows to collapsed roofs—and in the aftermath, the decisions you make can significantly impact your insurance claim. The first priority is always safety: make sure all occupants are safe and avoid any areas of structural instability. If your home is secure, begin taking comprehensive photos and videos of all damage before doing any cleanup. Be sure to capture interior and exterior views, including roof, windows, flooring, and personal belongings. This visual evidence is key to proving the extent of your loss.

Once you've documented the damage, you can begin temporary repairs to prevent further harm—such as tarping a roof or boarding up broken windows—but keep all receipts and avoid making permanent repairs until your claim is reviewed. Next, contact your insurance provider to notify them of the damage. Be cautious when describing the event; avoid speculation and stick to the facts. Many homeowners accidentally weaken their case by making assumptions that the insurer later uses against them.

This is also the ideal time to bring in a public adjuster. While your insurance company will send their own adjuster, that person works for them—not you. A public adjuster advocates for your interests, ensures that all damage is accounted for, and prevents lowball settlements. They’ll take over the paperwork, policy review, and negotiations, allowing you to focus on your family and recovery.

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