Strong winds can strike without warning, leaving behind a trail of destruction. Whether it’s downed trees, damaged roofs, or shattered windows, dealing with the aftermath can be overwhelming. Acting quickly and methodically is essential—not only for your safety but also for ensuring a smooth wind damage claim with your insurance company.
Here’s a step-by-step guide on what to do immediately after wind damage hits your property.
1. Ensure Safety First
Before assessing the damage, make sure you and your family are safe. Avoid downed power lines, unstable structures, or any debris that could cause injury. Safety should always be your top priority.
2. Document the Damage
Take clear photos and videos of all damage caused by the wind. Capture wide shots of your property as well as close-ups of broken windows, torn roofs, or damaged fences. Proper documentation is critical for supporting your wind damage claim.
3. Prevent Further Damage
If it’s safe to do so, take temporary measures to prevent additional damage. Cover broken windows with plastic sheeting, tarp damaged roofs, or move belongings indoors. Most insurance policies will consider reasonable efforts to mitigate further damage when processing your wind damage claim.
4. Contact Your Insurance Company
Notify your insurance provider as soon as possible. Provide them with all documentation, including photos, videos, and any repair receipts if applicable. Be honest and detailed—this helps expedite your wind damage claim.
5. Keep Records of Expenses
Save receipts for any emergency repairs, hotel stays, or other costs incurred due to the wind damage. These records can be essential when filing a comprehensive wind damage claim.
6. Avoid Making Permanent Repairs Too Soon
While temporary repairs are encouraged, avoid permanent repairs until your insurance adjuster has inspected the damage. Premature repairs could complicate your wind damage claim.
7. Work with Professionals
Hire licensed contractors for estimates and repairs. Some insurance companies may require professional documentation for certain damages, which can strengthen your wind damage claim.
Final Thoughts
After a windstorm, taking immediate, thoughtful action can make a huge difference in your safety, property recovery, and insurance process. From documenting damages to contacting your insurer promptly, following these steps ensures you’re well-prepared to file a successful wind damage claim.
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