Storm Damage · What To Do Now
How Do I File a Storm Damage Insurance Claim?
A clean storm claim comes down to documentation. Here’s how to protect yourself and file well — and where a restoration company helps (and where it shouldn’t overstep).
Call (660) 216-6521 — 24/7Do This First
Work through these in order — the first few minutes decide how much damage spreads.
- 1
Document first: photos and video of all damage, inside and out, before any cleanup.
- 2
Prevent further damage (tarp/board-up) and keep receipts — insurers expect this and reimburse it.
- 3
Contact your insurer promptly to open the claim and get your claim number.
- 4
Keep a simple log of dates, damage, and who you spoke with.
- 5
Get an itemized estimate from a reputable restoration company.
Careful
What to Avoid
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Don't throw damaged items away before documenting them.
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Don't sign over your claim rights (be cautious with ‘assignment of benefits’ contracts).
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Don't work with anyone who offers to waive your deductible — that’s a red flag.
When to Call a Pro
Binnacle provides thorough documentation — photos, moisture readings, and itemized estimates — in the format your insurer needs. You run your own claim; we give you the honest evidence to support it, and never inflate or coach.
Common Questions
How Do I File a Storm Damage Insurance Claim?
Does the restoration company file my claim for me?
No — you file and control your own claim. We provide the documentation and estimate. Negotiating claim value is public adjusting, which requires a separate license.
What documentation do I need for a storm claim?
Dated photos/video of all damage, a description of what happened, receipts for emergency measures, and an itemized repair estimate. The more complete, the smoother the claim.
More Storm Damage Guides
Don't wait it out — water and damage spread.
Talk to a real person now. We're here 24/7 and document everything for your claim.
Call (660) 216-6521