Claim Guides

Start here

1. Storm Damage Insurance Claim: Step-by-Step Guide for Property Owners
   The whole claim in order, from making the site safe to comparing estimates.

Right after the storm

2. Storm Damage: What to Do in the First 24 Hours
   Safety first, then photos, then a call to your insurer or agent.
3. Can You Make Repairs Before the Insurance Adjuster Inspects?
   Which temporary repairs to make now, and which permanent repairs to hold.
4. How to Document Hail, Wind and Tornado Damage for an Insurance Claim
   What to photograph, what to keep and where to find weather records for the date of loss.
5. How and When to Report Storm Damage to Your Insurer
   Why prompt notice matters and where your policy sets the deadlines.

During the claim

6. What to Expect When the Insurance Adjuster Inspects the Damage
   Who the insurer’s adjuster works for, and how to prepare for the visit.
7. Insurance Estimate Too Low? Your Options After a Storm Claim
   How to compare estimates line by line and push back in writing.
8. Insurance Appraisal Clause Explained: How Appraisal Works in a Property Claim
   How appraisal settles a disagreement over the amount of a loss.
9. Storm Damage Claim Denied? What to Do Next
   Read the denial, answer its reason with evidence, and know when to call an attorney.

By type of property

10. Commercial Roof Hail Damage Claim: A Guide for Building Owners and Facility Managers
    Low-slope roofs, rooftop equipment, business interruption and several policies.
11. Storm Damage to Your Home: An Insurance Claim Guide for Policyholders
    Safety, temporary repairs, living expenses and when outside help makes sense.

Public adjusters: when, what it costs, and how to check

12. Do I Need a Public Adjuster? When It’s Worth It, and When It Isn’t
    When a public adjuster tends to help, and when the fee may not pay off.
13. How Much Does a Public Adjuster Cost? Fees, Caps and Examples
    How fees work, which states cap them, and a worked example from the Texas Department of Insurance.
14. How to Verify a Public Adjuster’s License (State-by-State Links)
    Where to look up a license in each state, and red flags to watch for.

Every claim and policy is different. These guides are general information, not legal advice.