Immediately After
Document everything with photos and video before cleanup. Prevent further damage (cover broken windows, tarp damaged roof) — your policy requires you to mitigate additional damage. Keep all receipts for emergency expenses. Do NOT throw away damaged items until the adjuster inspects them.
Filing Your Claim
Contact your insurer as soon as possible (most require notification within 24-72 hours). File a police report if applicable. Create a detailed inventory of damaged/lost items with estimated values. Get multiple repair estimates from licensed contractors.
Working with Adjusters
Be present during the adjuster's inspection. Point out all damage, even hidden or structural damage. If you disagree with the assessment, you can hire a public adjuster (they typically charge 10-15% of the settlement). Consider getting an independent appraisal for disputed claims.
Frequently Asked Questions
Check the natural hazard risk for your county
Search Your County →For informational purposes only. Consult local authorities and licensed professionals for specific advice.