Severe weather can strike suddenly, leaving homeowners uncertain about next steps. Whether a severe windstorm, hail, heavy snow, or other weather event has damaged your Spokane home, knowing the right procedures will help you minimize damage, properly document loss, and navigate the insurance claim process. This guide walks you through what to do immediately after storm damage.
Immediate Safety First
After any storm, prioritize safety. Stay away from downed power lines, unstable structures, and slippery areas. If your home is unsafe, leave immediately and call emergency services.
Step 1: Assess Your Home for Immediate Hazards
Before anything else, ensure your family is safe. Check for structural damage, gas leaks, electrical hazards, or water intrusion. If you smell gas, see exposed electrical wiring, or notice significant structural damage, evacuate and call the appropriate emergency services. Water damage from roof or window leaks can spread quickly, so address active leaks immediately with tarps or buckets.
Step 2: Document Damage Thoroughly
Take detailed photos and videos of all damage, both interior and exterior. Photograph damaged roof areas (from ground level if safe), siding, windows, gutters, and landscaping. Document water damage inside the home, including stains, wet drywall, and damaged personal property. This documentation is essential for your insurance claim.
Create a written list of all damaged items and areas, including:
- Roof damage (missing shingles, dents in metal, visible decking)
- Siding and exterior damage
- Damaged windows or skylights
- Water damage to interior walls, ceilings, and floors
- Damaged personal property
- Landscaping and trees damaged
Step 3: Prevent Further Damage
Take reasonable steps to prevent additional damage. If your roof is leaking, use tarps to cover damaged areas. If windows are broken, board them up. Remove standing water if possible. Remove fallen tree limbs from your roof. These protective measures prevent additional loss that insurance won't cover.
Keep all materials used for temporary repairs and document your expenses. Your insurance may reimburse temporary repairs that prevent further damage.
Step 4: Contact Your Insurance Company
Report the damage to your insurance company as soon as possible. Most policies require prompt notification. Have your policy number and photographs ready. The insurance company will assign an adjuster to assess the damage and determine coverage. Request the adjuster visit quickly, before you make permanent repairs.
Be detailed when describing damage. For roof damage, mention specific areas affected, the extent of missing or damaged shingles, and any visible structural impact. The adjuster's initial assessment heavily influences your claim decision.
Step 5: Get Professional Contractor Estimates
Obtain detailed repair estimates from licensed, insured contractors. Get at least two estimates, preferably three, for comparison. Provide contractors with your damage photos and detailed description. Contractors experienced with insurance claims will structure their estimates to clearly identify materials, labor, and specific damaged areas.
Do not rush into repairs before your insurance adjuster visits and your claim is approved. Making repairs prematurely can jeopardize your claim or result in uncovered expenses.
Understanding Your Insurance Coverage
What's Typically Covered
Most homeowners policies cover damage from wind, hail, and falling objects. Roof damage, siding damage, broken windows, and water damage caused by these events are usually covered. Personal property damage inside your home is often covered under your personal property coverage.
Your Deductible
You'll be responsible for your deductible—typically $500-$2,500. Some policies include higher deductibles for wind or hail damage. Your insurance payment = repair estimate minus your deductible.
Depreciation
Insurance typically pays actual cash value (ACV), which accounts for depreciation based on the age and condition of damaged materials. Older roofing and siding may be valued lower than replacement cost. Some policies offer replacement cost coverage, which pays to fully replace damaged items regardless of age.
Working with Your Insurance Adjuster
When the adjuster visits, be prepared to show all damaged areas. Provide your photo documentation and written list of damage. Have your contractor estimates available. Don't accept the adjuster's first estimate if you believe it's inadequate. You can dispute the estimate or hire your own inspector (sometimes called an independent adjuster) for a second opinion, particularly if damage is extensive.
The adjuster's report and estimate form the basis of your settlement offer. Review it carefully. If you disagree with the assessment, request a formal review or appeal.
After Your Claim Is Approved
Once your insurance approves your claim, you can proceed with repairs. Insurance typically pays contractors directly or reimburses you upon receipt of paid invoices and proof of completion. Some contractors can coordinate directly with insurance companies on larger claims.
Ensure all repair work is performed by licensed, insured contractors. Get a written contract specifying the scope of work, timeline, and warranty. Verify insurance and licensing before hiring.