File a Weather Insurance Claim

Category : Insurance

If you own a home, you know how a house can sustain damage in bad weather. Flooding from rain, high winds, tornadoes, hurricanes and even wet, heavy snow accumulating on roofs can all damage a home.

Most homeowner's insurance policies cover weather-related damage, or you might have separate weather insurance. If your home has been damaged by Mother Nature, here's how to file a weather insurance claim.

Assess the Damage
Make a list of all damaged items and what these items are worth. Take pictures of the damaged area. Include undamaged areas around the damaged area to help the insurance company make an accurate assessment.

Proof of Ownership
Have proof of ownership of the house available when filing a weather insurance claim. A deed or mortgage payment stub may be required to show the insurance company you're the owner of the damaged property.

File a Weather Insurance Claim
Contact your insurance agent or company by phone or in person to file a weather insurance claim. Your agent will be best able to guide you through the filing process. Keep in contact regularly with your agent when filing a claim.

Prevent Further Damage
Make any necessary temporary repairs to the home to prevent further damage. If, for instance, the damage has come from a leaky roof, make a repair to stop water from further entering the house. You can be reimbursed for all materials used when submitting your claim.

Wait Patiently
Insurance claims take time to process. Stay in touch with your agent to keep updated on the claim. Submit any additional information such as documentation or receipts promptly to expedite the processing of your claim.