Top Storm Claim FAQs from Homeowners—Answered

Navigating the storm insurance claim process can be stressful and confusing, especially after your home has been damaged by severe weather.

At All Peril, we help simplify that process through professional storm repair coordination—keeping homeowners, contractors, and carriers connected, informed, and organized.

Here are answers to some of the most common questions homeowners ask about storm insurance claims.

1. What should I do immediately after storm damage?

Safety comes first. Once it’s safe to inspect your property, document all visible damage with photos and videos—especially of the roof, siding, and interior leaks.

If there’s active water intrusion or exposed areas, arrange for emergency tarping or mitigation to prevent further damage. Then, contact your insurance carrier to begin the claim process.

2. How long does the storm insurance claim process take?

Timelines vary depending on the severity of the damage, claim volume in your area, and carrier response times.

Most claims begin with an adjuster inspection within 1–2 weeks, followed by estimate reviews and approval. At All Peril, we help keep things moving through clear communication and organized documentation between all parties.

3. Should I get multiple estimates for repairs?

Yes—multiple estimates help ensure accuracy and transparency. However, the key is choosing qualified, vetted contractors who document thoroughly and follow carrier-compliant guidelines.

Our team at All Peril works with contractors who maintain line-item transparency, ensuring every part of the job is justified and aligned with carrier expectations.

4. What kind of documentation should I keep?

Keep copies of:

• Damage photos and inspection reports.
• Contractor estimates and invoices.
• Communication records with your insurer.
• Receipts for temporary repairs or mitigation.

Accurate documentation supports a smoother claim and helps prevent reopens or disputes later.

5. What if new damage is found after the initial inspection?

This happens frequently. If additional damage is discovered during repair, your contractor or coordinator can submit a supplement request with supporting photos and notes.

All Peril helps organize this process, ensuring everything is properly documented before being submitted to the carrier—avoiding delays or confusion.

6. What role does All Peril play in my storm claim?

We’re not adjusters or advocates—we’re coordinators.

All Peril manages the repair side of the process, connecting contractors, homeowners, and carriers to make sure documentation, scheduling, and communication all stay aligned. Our goal is to simplify storm recovery so homeowners can focus on getting back to normal.

7. How can I avoid delays in the claim process?

• Respond promptly to adjuster or contractor requests.
• Keep your documentation organized.
• Stay in touch with your coordinator or project manager.
• Choose reputable contractors who follow through on timelines.

These small habits can make a big difference in how quickly your claim moves from inspection to completion.

Summary

Storm claims can feel overwhelming—but with structure, organization, and communication, the process becomes manageable.

At All Peril, we guide homeowners through every stage of storm restoration—ensuring accurate documentation, reliable communication, and coordination that keeps the claim on track from start to finish.