Insurance Claim
A formal request to your insurance company to pay for damage covered by your policy.
The Timeline
File a claim within 48 hours of storm damage, not weeks later. The sooner you file, the sooner an adjuster inspects, and the higher your approval rate.
Claims filed after 30 days have much lower approval rates because documentation is weak and damage spreads.
What You Need
Photos of damage taken immediately after the storm. Photos from before the storm (for comparison). Detailed description of what happened. Your policy documents. Contractor estimates.
Don't wait for the adjuster to assess damage. Assess it yourself first with photos.
Approval Tips
Document immediately. Call insurance the same day. Get contractor estimates. Don't accept the first adjuster estimate if it's low—push back with contractor numbers. If denied, ask why in writing.