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Damage Type Guide
Storm & Wind Damage Claims
From hurricanes to hailstorms, storm claims have unique challenges—including separate deductibles and damage that's easy to miss.
File Early After Major Storms
After major storms, insurance companies get flooded with claims. Filing early means faster inspection and settlement. Document damage immediately—hail melts, debris gets cleaned up, and evidence disappears.
Types of Storm Damage
Wind Damage
What to Look For:
- Missing or lifted shingles
- Ridge cap damage
- Soffit and fascia damage
- Siding blown off
Wind damage follows patterns. Look for damage on the side facing the wind direction.
Hail Damage
What to Look For:
- Dents on gutters, vents, and AC units
- Granule loss on shingles
- Cracked or bruised shingles
- Broken skylights
Check ALL exterior surfaces—not just the roof. Soft metals show hail damage clearly.
Rain/Water Intrusion
What to Look For:
- Water stains on ceilings or walls
- Wet insulation in attic
- Water pooling in rooms
- Mold or musty smell
Wind-driven rain through storm damage IS covered. Rising flood water requires separate flood insurance.
What to Do After a Storm
Follow these steps to protect your property and your claim
Step 1
Check for Safety Hazards
Look for downed power lines, gas leaks, or structural damage before entering or walking around.
Step 2
Document Right Away
Weather evidence disappears fast. Photograph damage BEFORE cleanup or temporary repairs.
Step 3
Make Temporary Repairs
Tarp the roof, board windows, cover openings. This prevents further damage—and your policy requires it.
Step 4
File Your Claim
Report promptly. After major storms, earlier claims often get faster attention from adjusters.
Roof Inspection Checklist
A thorough inspection covers more than just shingles. Make sure ALL areas are documented:
Shingles - Missing, cracked, curled, or granule loss
Ridge Cap - Lifted, missing, or cracked
Flashing - Lifted or bent around vents and chimneys
Gutters - Dents, pulled away, or seam separation
Soffit & Fascia - Blown off, cracked, or water damaged
Skylights - Cracked glass or damaged seals
Watch Out: Wind/Hail Deductibles
Many policies have separate wind/hail deductibles—often 1-2% of your dwelling coverage instead of a flat dollar amount.
Example: $400,000 home with 2% wind deductible = $8,000 deductible (not your standard $1,000)
Check your declarations page before filing. Know your deductible so there are no surprises.
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Talk to Alan AI About Your Storm Claim
We've handled storm claims coast to coast—hurricanes in Florida, tornadoes in the Midwest, hailstorms in Texas. Alan AI brings that experience to guide you through your specific situation.
Knows what adjusters look for because adjusters built him
Integrates weather data to support your claim
Guides roof inspection documentation
Tracks DOI deadlines so you don't miss important dates
Don't Let Storm Damage Go Underpaid
Storm claims are frequently underpaid. Get expert guidance to ensure your claim covers the full scope of damage.
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