How to Make a Claim After Storm Damage

Bob Wahl
Bob Wahl
Published on May 24, 2018

Ronnie McCracken, our local Farmers Insurance agent here in St. Louis, gives us a step-by-step outline of what homeowners need to do to make a claim after storm damage.

How to Make a Claim After the storm

  1. Don’t go out until the storm has passed and all wind, rain, and flying debris has died down.
  2. If there is major damage to your roof like a hole or collapsed area, get your family out and bring them to a neighbor, a relative, or a hotel.
  3. If conditions are safe and you have a low-pitched roof, you can go up and put a trap over it to prevent further damage.
  4. Call your insurance agent and wait for them to send someone out to check the damage. Don’t try to repair anything yourself.
  5. Don’t make an insurance claim until you have the assessment of a professional roofer. Once you put in a claim, it will go against you, so it’s best to make sure you know exactly how much damage has been done.

Extra Tips

  • Don’t wait for storm season to check your insurance policy. Make sure you have a deductible you can manage in case something happens.
  • If you know a trusted roofer, you can have them do the repairs and submit a claim for reimbursement afterward. In this case, save all the receipts for what you paid out of pocket.
  • Don’t try to assess the damage yourself. Call your agent so they can send their trusted roofers. The roof must have enough damage to receive a full claim, and roofers must make sure that they can work within the claim amount so you won’t have to pay any expenses out of pocket.

Find out everything you need to know about storm damage and homeowners insurance.


Contact Farmers Insurance: The McCracken Agency St. Louis

Telephone: (636) 345-0528 Facebook

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