What Should Homeowners Do After Storm Damage?

Storms can cause serious property damage with little warning. What you do afterward can directly impact your homeowners insurance claim. At Ozzy Insurance Group, here’s what we recommend Arizona residents do first.

Check for Hazards

Find downed power lines, broken glass or structural damage. If unsafe, leave and call emergency services. Avoid standing water, as it can hide hazards or pose electrical risks.

Document the Damage

Take photos and videos of all affected areas, including exterior, interior and personal belongings. List damaged items with approximate values. This is essential for your insurance claim.

Prevent Further Damage

Cover broken windows, tarp roof leaks and move belongings to a dry area. Keep all receipts for materials and emergency repairs. These may be reimbursable under your policy.

Contact Your Insurance Provider

Report the damage to your insurer as soon as possible. An insurance professional can help review your policy, gather documentation and keep the claim moving.

When to File a Storm Damage Claim

Not all storm damage requires a claim. Minor damage below your deductible may be better handled out of pocket. However, consider filing a claim for:

• Roof damage from wind or hail
• Broken or shattered windows
• Rain or wind damage to personal belongings (e.g., electronics and furniture)
• Burst pipes
• Structural damage to walls, ceilings or foundations
• Fallen trees or debris on covered structures
• Damaged electrical systems or plumbing

If damage or losses are extensive, filing promptly can help cover repairs and prevent further issues.

We Support Arizona Homeowners

Contact Ozzy Insurance Group today to review your coverage, get a free custom quote and receive personalized support throughout the claims process.

This blog is intended for informational and educational use only. It is not exhaustive and should not be construed as legal advice. Please contact your insurance professional for further information.