Whether it’s hail, wind, water, fire, or another unexpected event, the hours and days after property damage can make a significant difference in your insurance claim. While every situation is unique, there are a few steps every homeowner should take to protect both their property and their rights.
1. Make Sure Everyone Is Safe
Of course, goes without saying, your first priority is always safety. If there’s a risk of structural damage, exposed electrical wiring, gas leaks, or flooding, leave the property and contact the appropriate emergency services.
2. Prevent Additional Damage
Most insurance policies require homeowners to take reasonable steps to prevent further damage after a loss.
This could include:
- Placing a tarp over a damaged roof
- Boarding up broken windows
- Shutting off the water if there’s a leak
- Moving belongings away from affected areas
Always keep receipts for any emergency repairs or supplies.
3. Document Everything
Before cleaning up, if it’s safe to do so, take extensive photos and videos. And I mean extensive.
Capture:
- Wide shots of the entire property
- Close-ups of damaged areas
- Interior and exterior damage
- Damaged personal belongings
- Debris or fallen trees, if applicable
You can almost never have too much documentation.
4. Notify Your Insurance Company
Report the claim as soon as reasonably possible. When speaking with your insurance company, stick to the facts and avoid guessing about the cause or extent of the damage until the property has been fully inspected.
Keep a record of:
- Claim number
- Adjuster’s name and contact information
- Dates of conversations
- Emails and correspondence
5. Save Every Document
Create a folder, digital or physical, for everything related to the claim.
Include:
- Photos and videos
- Repair estimates
- Receipts
- Emails
- Letters from your insurance company
- Inspection reports
Good organization can save significant time later.
6. Be Careful Before Signing Anything
Before signing repair contracts, assignments, releases, or settlement documents, make sure you understand exactly what you’re agreeing to.
If something doesn’t make sense, ask questions before signing.
7. Don’t Rush the Process
It’s understandable to want life back to normal as quickly as possible. But major property damage claims often involve inspections, estimates, and negotiations. Taking a little extra time to properly document the loss can help avoid headaches later.
8. Know When It’s Time to Ask Questions
Not every property damage claim requires an attorney. Claims can be resolved fairly and efficiently. But if your claim is delayed, underpaid, denied, or you’re unsure whether you’re being treated fairly, it may be worth speaking with someone who can explain your options before making any major decisions.
The Bottom Line
The actions you take immediately after property damage can have a lasting impact on your claim. Prioritize safety, document everything, keep organized records, and don’t be afraid to ask questions along the way. Whether you’re handling the claim on your own or seeking professional guidance, having good information from the beginning can make the process much smoother.
About The Author
Julie Bortnick is the Executive Director of Torry Law Group and Editor of The TLG Brief. She writes about property damage insurance claims, personal injury, legal trends, and practical guidance to help homeowners and consumers better understand the legal process. Working alongside the attorneys at Torry Law Group, Julie helps translate complex legal topics into clear, practical information for homeowners, businesses, and the communities they serve.
Disclaimer
The information provided in The TLG Brief is for general educational and informational purposes only and is not intended as legal advice. Every claim and legal matter is unique, and the information contained in this publication may not apply to your specific circumstances. Reading this article does not create an attorney-client relationship with Torry Law Group. If you have questions about a specific legal matter, you should consult with a qualified attorney licensed in your jurisdiction.
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