How Should a Homeowner Handle Their Insurance Company Following a Storm?

How Should a Homeowner Handle Their Insurance Company Following a Storm?

When a strong storm strikes, the damage can feel overwhelming—but the insurance process doesn’t have to be. For many Minnesota homeowners, filing an insurance claim is unfamiliar territory. The speed and completeness of your home’s restoration will depend heavily on how well you understand the steps to take with your insurance company.

At Midwest Exteriors MN, we've helped thousands of homeowners through the post-storm recovery process. This guide will walk you through every step so you can protect your home and move forward with confidence.

⚡ Step 1: Be Safe and Evaluate the Circumstances

Before doing anything else:

• Ensure everyone’s safety
• Avoid broken glass, fallen power lines, and unstable structures
• Only enter seriously damaged areas when local authorities declare them safe

Once the area is secure, you can begin documenting the damage.

📷 Step 2: Record Everything

Your insurance company needs proof—your phone is your best tool.

What to document:

• Roof damage: missing shingles, visible holes, dents
• Siding: cracks, warping, or punctures
• Windows: broken glass, bent frames, signs of interior water damage
• Gutters & Downspouts: detached, clogged, or dented
• Interior: ceiling stains, wall leaks, flooring damage
• Exterior features: landscaping, fences, decks

Take both close-up and wide-angle shots. More is better.

📖 Step 3: Review Your Insurance Policy

Access your physical or digital copy and review:

• Your deductible
• Coverage limits
• Types of damage covered (wind, hail, flooding, etc.)
• Filing deadlines

Write down any questions to discuss with your agent.

☎️ Step 4: File Your Claim Quickly

Once you’ve assessed the damage:

• File online or call your insurance provider
• Be ready to report the date/time of the storm and a brief description
• Ask whether temporary repairs should wait until after the adjuster visits

Request a claim number and write down all contacts.

⚠️ Step 5: Prevent Additional Damage

Most policies require you to take action to prevent further harm:

• Tarp the roof if safe
• Board up broken windows
• Remove soaked furniture and rugs

Keep all receipts—many of these costs may be reimbursed.

📈 Step 6: Get an Inspection from a Trusted Contractor

Before or after your adjuster’s visit, call a reputable local contractor like Midwest Exteriors MN for an independent inspection.

Why it matters:

• Adjusters may miss or underestimate damage
• A contractor gives a second opinion with visual proof
• They help clarify the full scope of required work
• Some contractors can even meet the adjuster on-site to advocate for your claim

🖋️ Step 7: Understand the Adjuster’s Report

After their inspection, the adjuster will issue a report that includes:

• Assessed scope of damage
• Recommended repairs
• Estimated cost of repairs
• Insurance payout (minus your deductible)

Review it carefully. Raise questions if anything appears missing or inaccurate.

🚪 Step 8: Choose the Right Contractor to Complete the Work

You are not required to use your insurance company’s recommended contractor. Choose a professional who:

• Is licensed and insured
• Specializes in storm restoration
• Provides a detailed written scope of work
• Offers warranties for both labor and materials

Midwest Exteriors MN works with all major insurers, providing transparent pricing, excellent craftsmanship, and ongoing support.

📅 Step 9: Stay Organized and Follow Up

Keep a dedicated folder (digital or paper) that includes:

• Photos (before and after)
• Receipts for all repairs and purchases
• Insurance communications
• Contractor estimates and invoices

Stay in regular contact with your insurance company until your claim is fully resolved and repairs are completed.

🔍 Bonus Tip: Know the Red Flags

Watch out for:

• Out-of-town contractors or “storm chasers”
• High-pressure sales tactics
• Requests for large upfront payments
• Contractors who won’t show proof of licensing or insurance

Choose a reputable local company like Midwest Exteriors MN to protect your home and your wallet.

🏡 Final Thoughts: You’re Not Alone

Storm damage can be stressful, but having a reliable team on your side can make a significant difference.

Midwest Exteriors MN helps homeowners:

• Document and report storm damage
• Navigate the insurance process
• Restore their homes with honesty, care, and precision

📞 Contact us today for a free, no-obligation inspection. We're here to help you recover quickly, smartly, and with confidence.

‍