Find top rated storm damage repair pros in your area

Most homeowner's insurance policies provide coverage for sudden, accidental storm damage, though specifics vary by policy. Standard coverage typically includes damage from wind, hail, and lightning, while flood damage usually requires separate insurance. After storm damage occurs, document everything thoroughly with photographs and contact your insurance company promptly. Your insurer will likely send an adjuster to evaluate the damage before approving repairs. Remember that you'll need to pay your policy deductible before coverage begins, and certain types of damage may have coverage limitations.

First, ensure everyone's safety by checking for hazards like downed power lines or structural instability. Once safe, document all visible damage with photos and videos before attempting any cleanup. Cover damaged areas with tarps or boards to prevent additional water intrusion. Contact your insurance provider to report the damage and initiate the claims process. Avoid making permanent repairs until after the insurance adjuster has assessed the damage. Getting professional evaluations from qualified contractors will help identify all affected areas, including hidden damage that might not be immediately apparent.

The timeline for completing storm damage repairs varies widely depending on damage severity and type. Minor repairs like replacing a few shingles might take only a day, while moderate damage to siding or windows could require several days to a week. Major structural repairs or extensive water damage might take weeks or even months, especially following widespread disasters when contractor availability is limited. Weather conditions, permit requirements, and material availability also affect repair timelines. Establishing clear expectations with your contractor before work begins helps manage the project timeline effectively.

Start by verifying credentials including proper licensing, insurance, and specific experience with storm damage repairs. Request detailed written estimates from at least three contractors and ask for references from recent storm-related projects. Check online reviews and confirm their physical business address. Be cautious of contractors who appear immediately after storms with high-pressure sales tactics or demand large upfront payments—these are often warning signs of "storm chasers" who may perform substandard work. Reputable contractors will provide clear contracts, reasonable payment schedules, and written warranties for their work.