The short answer
Document Everything First
Before you call, walk through your home and take clear photos and videos of every damaged area. Capture the storm damage from multiple angles, including close-ups of broken windows, roof leaks, or flooded floors. Write down the date and time of the storm, and note what was damaged and when you noticed it.
Make a detailed list of personal belongings that were harmed, including their approximate age and purchase price if you can recall it. This list helps you stay organized when you speak with your insurance company. If you live in Rockwall, keep this record in a dry, safe spot. You may need to refer to it more than once.
Make Temporary Repairs
Your priority is to prevent further damage to your home. Cover broken windows with plywood, tarp a damaged roof, and shut off the water if pipes burst. Save every receipt for materials you buy, such as lumber or tarps. These costs may be part of your claim, but your insurer decides what is covered.
Do not make permanent repairs before the insurance company has a chance to inspect the damage. If you are unsure what counts as temporary, ask your insurance company directly. In the meantime, take steps to keep your family safe, such as avoiding standing water near electrical outlets.
- Take photos before and after temporary repairs
- Keep all purchase receipts in one envelope
- Note the time and date of each repair
- Move valuable items to a dry area
- Do not throw away damaged items until told to
Contact Your Insurance Company
Call your insurance company as soon as you have documented the damage. Have your policy number handy and be ready to describe what happened. They will ask about the cause of the damage, the date it occurred, and the extent of the harm. Answer their questions honestly and clearly.
Ask them what steps to take next, including whether an adjuster needs to visit your home. Write down the name of the person you speak with and the claim number they give you. Keep this information in a safe place. Policies vary, and your insurer decides what is covered.
Prepare for the Adjuster Visit
If your insurance company sends an adjuster to inspect the damage, be ready to show them every affected area. Walk them through the house and point out each issue, referencing your photo and video documentation. Share your written list of damaged belongings and any receipts for temporary repairs.
Do not be afraid to ask questions if you do not understand something the adjuster says. Take notes during the visit and ask for a copy of their report if available. You can also ask for clarification on the next steps in the claims process. Your insurer decides what is covered, so focus on providing complete information.
Keep Records of All Communication
After you file your claim, keep a log of every phone call, email, or letter you exchange with your insurance company. Note the date, time, and the name of each person you talk to. This record helps you stay organized if you need to follow up later. It also gives you a clear picture of the process.
If you have questions about your policy or the claims process, check your policy documents first. For complex situations, you might consider consulting a professional, but that is your choice. Your priority is to protect your home and your health. If you feel unwell from mold or other issues, see a doctor.
- Write down the claim number in a visible spot
- Store all emails in one folder
- Save voicemail messages as audio files
- Track deadlines for submitting paperwork
- Ask for written confirmation of decisions
- Review your policy for coverage details
Water damage does not wait
Call (469) 698-4610 any time, day or night, and describe what happened.
Call Now (469) 698-4610Frequently asked questions
Should I wait for the adjuster before cleaning up?
You can clean up to prevent more damage, but hold off on permanent repairs. Take photos of the mess before you touch anything. Save receipts for any supplies you buy. Your insurance company will tell you what they need to see.
What if I cannot find all my damaged items?
List what you remember as well as you can. Check places like garages, attics, and storage areas. If you miss something, you can often add it to your claim later. Tell your insurance company as soon as you notice an omission.
How long do I have to file a storm damage claim?
Check your policy for the exact deadline, as it varies. Acting quickly is wise, as delays can make the process harder. Contact your insurance company as soon as you can after the storm. They will explain the timeframe for your specific situation.