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What You Need to Know Before Making a Storm Damage Insurance Claim

Storm damage can be devastating for homeowners and property owners alike. The damages caused by severe weather conditions can range from broken windows to complete roof and structural damage, making it imperative for property owners to be prepared and have the necessary insurance coverage in place. But, before making a storm damage insurance claim, there are some things you need to know.

Understanding Your Insurance Policy

The first step in making a storm damage insurance claim is understanding what your insurance policy covers. Most standard homeowners insurance policies do not cover damage caused by floods. However, if your policy does include flood coverage, it's essential to know what is and isn't covered. Additionally, standard insurance policies may also have exclusions for specific types of storms such as hurricanes or hail damage.

To be fully prepared, it's essential to review your insurance policy thoroughly and make sure you understand what is and isn't covered. If you have any questions, it's always a good idea to reach out to your insurance provider to clarify any misunderstandings or confusion.

Documenting the Damage

When making a storm damage insurance claim, it's crucial to document the damage as thoroughly as possible. This includes taking photos of the damage, making a list of damaged items, and keeping any receipts or invoices related to the damage.

Having a clear record of the damage will not only help support your claim but also speed up the process of getting your insurance provider to cover the damages.

Contacting Your Insurance Provider

As soon as you become aware of the damages caused by a storm, you should reach out to your insurance provider to report the damage. Your insurance provider will then assign an adjuster who will visit your property to assess the damages and provide you with an estimate of the cost to repair the damages.

It's essential to provide your insurance adjuster with all the necessary information and documentation, including photos, receipts, and invoices. Your adjuster will use this information to make a determination on whether your claim is covered and how much your insurance provider will pay towards the repairs.

Understanding the Claims Process

The claims process for storm damage can vary depending on your insurance provider, the severity of the damages, and the complexity of the claim. However, most insurance providers follow a similar process, which typically involves:

Reporting the damageAssessing the damageDetermining coveragePaying for the repairs

It's essential to understand the claims process and what you can expect from your insurance provider. This will help you navigate the process more smoothly and ensure you get the compensation you deserve for the damages caused by the storm.

Protecting Your Property

After making a storm damage insurance claim, it's essential to take steps to protect your property from further damage. This may include boarding up broken windows, tarping damaged roofs, and removing any water-damaged items. Taking these steps will not only help protect your property but also help to prevent any additional damages that could potentially impact your insurance claim.

Final Thoughts

Storm damage can be overwhelming, but with the right insurance coverage and a clear understanding of the claims process, you can get the compensation you need to repair the damages caused by the storm. Whether you're a homeowner or a property owner, it's essential to have the necessary insurance coverage in place, to be prepared, and to understand what you need to know before making a storm damage insurance claim.

With plenty of years of combined policy, settlement, and estimating experience, Savage Roofing offers the highest level of experience in the insurance claim settlement industry.

We utilize our core team of veteran adjusters to engineer a full proof claim that is built on the detail needed to maximize your settlement in every area of the policy.

Our job is to ultimately relieve you of your burden of having to deal with the stress and hardship of the insurance claim settlement process. Whether it’s a residential or commercial claim, we’ll make sure you receive what is rightfully owed. The next time you’re searching for the best insurance adjusters nearby, do yourself a favor and give Savage Roofing a call!

Let us negotiate your insurance claim and maximize your settlement.

Dealing with insurance companies after your residential or commercial property just suffered damages from a storm is not an ideal scenario. This is why at Savage Roofing, we use highly knowledgeable public adjusters that specialize in complex roof insurance claims.

Our team has over-turned millions in rejected claim settlements, thus further highlighting our efforts and results. If that’s not enough for you, then take comfort in knowing that we have a 99% success rate on insurance claim cases we take on, thus solidifying our footing as one of Illinois’ best public adjuster companies.

The need for a public adjuster never comes at a good time, but we make the process easy, affordable, and fast. Our attention to detail means you’re guaranteed to receive superior service and quality, as we’ll do everything in our power to maximize your claim settlement.


As seen by the client testimonials listed below, Savage Roofing, Inc. adheres to the highest standards set by the sector. In every project, we treat our clients as partners by keeping them informed and soliciting their feedback at every stage of the building process. We work together to create a finished service that satisfies and beyond the demands of our customers.

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Call us today to schedule a consultation regarding your repair or installation and we’ll give you a 100 percent free estimate on your service. We will get you in at the earliest possibility to assess your home or business, provide recommendations, and begin work on your project.


1815 Knapp Rd Crest Hill, IL 60403


(833) 577-ROOF (7663)

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