May 29, 2024

Steps to follow if your property has been damaged during a weather emergency

Weather emergencies can strike at any time, leaving behind a trail of destruction. If your property has been damaged during a weather emergency, it’s crucial to act swiftly and methodically to ensure your safety and protect your assets. In this guide, we’ll outline the essential steps to follow in the aftermath of such an event.

1. Ensure Safety:

The safety of you and your loved ones should be the top priority. Before assessing the damage, make sure it’s safe to enter the property. If there are any immediate hazards such as downed power lines, gas leaks, or structural damage, evacuate the premises and contact the appropriate authorities.

2. Document the Damage:

Once it’s safe to do so, thoroughly document the damage to your property. Take photos and videos from multiple angles to provide comprehensive evidence for insurance claims. Make a detailed inventory of all damaged items, including descriptions and estimated values.

3. Contact Your Insurance Provider:

Notify your insurance provider as soon as possible to initiate the claims process. Provide them with the necessary information, including the extent of the damage and any documentation you’ve gathered. Be prepared to answer any questions they may have and follow their instructions closely.

4. Mitigate Further Damage:

Take steps to prevent further damage to your property. This may include covering broken windows, tarping damaged roofs, or removing standing water. Keep records of any expenses incurred during these mitigation efforts, as they may be reimbursable by your insurance policy.

5. Obtain Repair Estimates:

Gather repair estimates from licensed contractors or professionals. Your insurance provider may require multiple estimates before approving repairs. Be sure to communicate with your insurer throughout this process and keep them informed of any developments.

6. Review Your Policy:

Familiarise yourself with the terms and coverage limits of your insurance policy. Understand what types of damage are covered and any exclusions that may apply. If you have any questions or concerns about your coverage, don’t hesitate to reach out to your insurance agent for clarification.

7. Keep Detailed Records:

Maintain thorough records of all communications, expenses, and documentation related to your insurance claim. This includes correspondence with your insurer, receipts for repairs or mitigation efforts, and any other relevant paperwork. These records will be invaluable in resolving any disputes and expediting the claims process.

8. Stay Informed:

Stay informed about any updates or developments related to your insurance claim. Keep in touch with your insurance provider for status updates and be proactive in following up on any outstanding issues. Patience and persistence are key during the claims process.

9. Follow Through:

Once your insurance claim has been processed and repairs are underway, continue to stay involved in the process. Monitor the progress of repairs, review any documentation provided by contractors, and address any concerns promptly. Ultimately, your goal is to restore your property to its pre-loss condition as efficiently as possible.


Experiencing damage to your property during a weather emergency can be a stressful and overwhelming experience. By following these steps and working closely with your insurance provider, you can navigate the claims process with confidence and ensure a swift recovery. Remember, you’re not alone—help and support are available every step of the way.

Contact ARMA Insurance Brokers for your Insurance needs.

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