How Do You Document Storm Damage for Claims?

Begin documentation as soon as it is safe to walk the property. Use your phone or camera to take wide photos of overall damage and close-ups of specific issues like broken windows, water intrusion, or torn siding. Record video while moving slowly through affected areas to capture context. This visual record provides clear evidence of the storm's impact for the insurance company's adjuster. Take photos from multiple angles to ensure nothing is missed. Document the exterior first, then move inside, focusing on damaged rooms.

Take reasonable steps to prevent additional damage after the storm. This might involve placing tarps over a leaking roof, boarding up broken windows, or moving undamaged belongings to a dry area. Keep all receipts for materials purchased for these temporary repairs. Avoid making permanent repairs until an adjuster has visited, as this could affect the claim. Your policy may cover these reasonable mitigation costs, but policies vary, and your insurer decides what is covered.

For significant water intrusion or structural damage, contact local water damage pros. They can perform a thorough water damage inspection to identify hidden moisture in walls or under floors. This professional assessment can be valuable documentation for your claim, showing the full extent of damage that may not be visible in your photos. They use moisture meters and thermal imaging to detect problems you cannot see. Their detailed report can support your claim and help ensure all damage gets properly addressed.

• Take photos before removing any water or debris.
• Do not discard damaged items until the adjuster sees them.
• Keep a log of all conversations with your insurance company.
• Note the date and time of the storm in your documentation.
• Document the source of damage, like a fallen tree or hail.
• Save receipts for hotel stays if your home is uninhabitable.