What to Do When Your Home is Damaged in a Winter Storm

 

  • Call your insurance company or agent with your policy number and other relevant information as soon as possible. Cooperate fully with the insurance company, and ask what documents, forms and data you will need.
  • Take photographs/video of the damage.
  • Make the repairs necessary to prevent further damage to your property (i.e., cover broken windows, leaking roofs and damaged walls). Do not have permanent repairs made until your insurance company has inspected the property and you have reached an agreement on the cost of repairs.
  • Save all receipts, including those from the temporary repairs covered by your insurance policy.
  • If your home is damaged to the extent that you cannot live there, ask your insurance company if you have coverage for additional living expenses incurred while repairs are being made. Save all receipts to document these costs.

 

* Information provided by NAIC