Winter Storm Damage: What You Need to Know About Filing Claims

Winter storms can wreak havoc on both homes and businesses, leaving behind property damage, disrupted operations, and costly repairs. Knowing how to navigate the claims process can make all the difference in recovering quickly and minimizing stress. Here’s a guide to help homeowners and business owners take the right steps after winter storm damage.

Step 1: Assess the Damage Safely

Before anything else, ensure the area is safe to enter. Look for hazards such as:

• Downed power lines or electrical issues
• Structural damage, like sagging roofs or collapsed walls
• Icy or slippery walkways

Document the damage thoroughly with photos and videos. This visual evidence is essential for your insurance claim.

Step 2: Prevent Further Damage

Insurance policies often require policyholders to mitigate additional damage. For instance:

• Cover broken windows or roof holes with tarps.
• Remove ice or snow build-up to prevent further structural strain.
• Mop up water to avoid mold growth.

Keep receipts for any materials or services used, as these may be reimbursed.

Step 3: Review Your Policy

Understanding your policy is critical. Homeowners and business policies may differ in what they cover. Check for:

• Covered Perils: Are damages from snow, ice, or freezing explicitly included?
• Exclusions: Some policies exclude flood-related damage or neglect.
• Deductibles: Know your out-of-pocket responsibility before filing a claim.

Step 4: Notify Your Insurance Company

Contact your insurance provider as soon as possible. Provide them with:

• A clear account of the damage
• Photos and videos
• Any temporary repair receipts

This initial communication sets the stage for your claim’s resolution.

Step 5: Work with an Adjuster

An insurance adjuster will assess the damage and determine the claim payout. Be prepared to:

• Walk them through the affected areas.
• Provide estimates from licensed contractors for repairs or replacements.
• Advocate for your needs if there are discrepancies in the evaluation.

Step 6: Keep Records

Maintain a file with all claim-related documents, including:

• Correspondence with your insurer
• Receipts and invoices
• Copies of your policy and adjuster reports

This helps ensure transparency and simplifies follow-ups.

Special Considerations for Business Owners

For businesses, additional challenges may arise, such as:

• Business Interruption: If covered, file for lost revenue due to closures or operational downtime.
• Inventory Loss: Document spoiled or damaged goods.
• Liability Risks: Address accidents caused by icy sidewalks promptly.

Why Choose Camargo?

Navigating the claims process can be daunting, but you don’t have to do it alone. At Camargo, we empower our clients with the knowledge to make informed decisions before a storm strikes and provide hands-on assistance when filing claims. Our team is here to help keep the process moving toward a swift resolution, so you can get back to what matters most. Contact us today to review your policy or for help with a claim.