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SafetyDanger now? Keep clear and call your emergency service.If there is immediate danger (downed lines, gas smell, structural damage), keep clear and contact the appropriate emergency service.

Claim preparation

Prepare for the call, calmly

General guidance for talking to your insurer after a storm: what to gather, what to ask and what not to assume. It is not legal or coverage advice.

What to gather

  • Policy documents, insurer name and policy number
  • Dated photos and notes from the storm checklist
  • Roof age records, past invoices and warranty papers
  • Receipts for temporary protection or emergency steps
  • A written call log: who, when and what was said

Use the storm checklist

What to ask

  • How do I start a claim, and what do you need from me?
  • Are there time limits in my policy for notice or for proof of loss?
  • What is my deductible for this type of loss?
  • Will someone from your side inspect the roof, and can I attend?
  • What happens to temporary repairs and their receipts?
  • How will I be told your decision, and how do I ask questions about it?

What not to assume

  • Do not assume visible damage means the loss is covered. Your insurer decides.
  • Do not assume deadlines match anyone else's. Check your own policy.
  • Do not assume a contractor can speak for your insurer, or sign for you.
  • Do not assume the first figure you hear is final. Ask for the reasons in writing.
  • Do not discard damaged materials before they have been photographed.

Claim-prep timeline

Your dated sequence

If you are not sure, use your best estimate. Dates stay on this page.

If you have found a deadline in your policy, add it and it appears in the plan.

Enter the storm date and a dated sequence appears here.

Want findings in writing before you decide?

An inspection gives you photos and a scope of work to review alongside your insurer conversation.

Request an inspection

Stormguard is a fictional storm inspection business for North Texas, created as a sample website. The content, figures and imagery are illustrative. Nothing you enter here is sent or saved.

Sample details

  • Licence details appear here (sample placeholder)
  • Insurance details appear here (sample placeholder)
  • Service area details appear here (sample placeholder)

Coverage decisions belong to your insurer and your policy. In an emergency, keep clear and contact the appropriate emergency service.

Imagery is generated concept art. Sample content for demonstration.

Request an inspection