Storm damage can be unpredictable and, in many cases, severe. Whether it's a tree through the roof, missing shingles from high winds, or flooding due to sudden rain, one thing is always true—the faster you act, the less damage your property is likely to suffer.

Emergency services are the first line of defense in a restoration project. They’re not the final repairs, but they’re essential for preventing further loss and protecting your home or business while longer-term restoration efforts are coordinated.

At All Peril, we help ensure that these services are handled quickly, correctly, and with the right documentation. Here’s what you need to know about why emergency services matter—and how we help support them.

What Are Emergency Services?

Emergency services refer to immediate actions taken to prevent additional damage after a storm-related event. These are typically performed within the first 24 to 72 hours after a loss and include tasks like:

• Tarping a damaged roof to prevent water intrusion
• Boarding up broken windows or doors to secure the property
• Water mitigation and extraction to prevent mold growth and structural damage
• Drying out affected areas using fans, dehumidifiers, or air scrubbers
• Temporary plumbing or electrical shutoffs in unsafe conditions

These actions are not optional—they are often expected by insurance carriers as part of your duty to protect the property from further loss.

When Are They Needed?

Not every storm causes catastrophic damage, but even minor issues can quickly escalate if not addressed right away. Emergency services are needed when:

• There's an active leak or hole in the roof
• Structural elements are exposed to the weather
• Water has entered the interior of the home
• The property is unsecured or vulnerable to theft or animals
• Conditions create a health or safety hazard (like standing water or mold)

In some cases, insurance carriers may flag a file if it appears the property wasn’t protected in a timely manner. That’s why acting quickly—and documenting those actions—is so critical.

Do I Need Approval from My Insurance?

Most insurance carriers do not require you to wait for approval to perform emergency mitigation. In fact, delaying can create more risk for you as the policyholder.

Emergency services are typically considered part of your obligation under the insurance contract to prevent further damage. However, it's important to document every action taken, including photos and receipts, which is where All Peril’s coordination comes into play.

How All Peril Supports Emergency Services

While All Peril does not perform emergency services directly, we coordinate with licensed, vetted local contractors who do. Here's how we help:

• Rapid dispatch coordination: We help organize fast response from available field teams in your area.
• Clear documentation: We gather photos and field notes to ensure services are properly documented for future scope and review.
• Streamlined communication: We coordinate with your contractor and insurance carrier to ensure everyone has the information they need.
• Compliance oversight: We ensure all emergency actions are in line with accepted industry practices and guidelines.

Our goal is to reduce the chaos that can happen right after a storm by giving homeowners and contractors structure and support.

What Happens After Emergency Services?

Once the property is secured and stabilized, the next step is to move into the inspection, documentation, and full repair phase. All Peril helps transition that emergency work into a clearly documented repair file that your contractor and carrier can move forward with.

We stay involved throughout:

• Organizing photo reports and documents
• Preparing supplement requests (if additional work is needed)
• Coordinating timelines and contractor availability

Final Thoughts

Emergency services are more than just a stopgap—they’re a critical part of the full restoration journey. By acting quickly, documenting thoroughly, and working with a trusted coordination partner like All Peril, homeowners can help prevent small damage from becoming a major issue.

If you believe emergency services are needed, speak to your contractor or contact us directly. We’ll help ensure the right support is on the way and that your project gets the structured start it deserves.