TIPS TO HELP YOU TO FILE A CLAIM IF YOU SUSTAINED DAMAGE IN THIS WEEKEND'S STORMS

Contact: Jennifer Bowen
(334) 269-3550

2/25/2025

While we hope this is information you don’t need, the Alabama Department of Insurance is here to help if you find yourself navigating a loss after this weekend’s tornado outbreak.

We’ve got some tips for handling a claim following a disaster from the National Assocation of Insurance Commissioners.

Immediately after the disaster

Your first instinct may be to clean up, but it's important to have an accurate account of all damage for your insurance company when you file a claim. Before removing any debris or belongings, document all losses. Take photos or video and make a list of the damages and lost items. If possible, save damaged items so your insurer can inspect, if necessary.

After thoroughly documenting damage, take reasonable steps to avoid further destruction to your home or belongings. Policies call this mitigation. Make temporary repairs, such as covering a hole in your roof or boarding up broken windows. Insurance will typically reimburse the cost of these repairs as part of your claim, assuming the loss was covered. Your company may also reimburse you if you need to find temporary lodging or storage for your possessions. Keep a record of all receipts.

Starting your claim

Most insurance companies have a time requirement for reporting a claim, so contact your agent or company as soon as possible. Insurers often send response teams to disaster areas. Company officials can help you determine what damages are covered, start your claim and even issue a check to start the recovery process.

When reporting losses, you'll need insurance information, current contact information and a home inventory or list of damaged and lost property. You can also create a home inventory via app by clicking here. 

If you do not have a home inventory, begin making a list of lost items, going room by room, including as much detail as possible. If your car sustained damage while in your garage or carport, it is covered by your auto insurance, not homeowners. If you have different home and auto insurance providers, you will need to report a claim with both companies.

The claims process

After you report damage to your insurer, they will send a claims adjuster to assess the damage at no cost to you. Public adjusters offer the same services, but you would be responsible for any related fees. An adjuster will walk through your home to inspect damaged items and temporary repairs. They may look at the outside of your home, your roof or your basement.

Once the adjuster has completed their assessment, they will provide documentation of the loss to your insurer to determine your claims settlement. When it comes to getting paid, you may receive more than one check. The first will likely be an emergency advance. Other payments will be for the contents of your home and other personal property. Please note that if there is a mortgage on your home, the payment for structural damage may be payable to you and your mortgage lender. Lenders may put that money into an escrow account and pay for repairs as the work is completed.

Be alert for fraud

Home repair fraud is common after a natural disaster. Contractors often come into disaster-struck regions looking to make quick money by taking advantage of victims. Be wary of aggressive contractors and demands for up-front repair payment.
It's a good idea to do business with local or trusted companies. Ask friends and family for references.

Always be sure your contractor is licensed to work in Alabama. You can do that by clicking here. 

Your insurer may also have recommendations.

Get multiple quotes and be wary of significantly low bids, as they may indicate substandard materials or work.
Never pay cash or write a check before services are rendered. Pay in installments and wait until the repair work is complete to issue final payment.

The Alabama Department of Insurance is here to help if you have questions about your insurance after the storm. Call our Consumer Services division at 334-241-4141 Monday through Friday from 9 a.m. to 4 p.m.