Homeowner basics
Storm Damage & Insurance Claim Basics
What to do after a storm or leak: safety, photos, calling your insurer, avoiding storm chasers and choosing a contractor for the repair.
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Working the claim
- Read your policy's deductible and what's covered (flood is usually a separate policy through NFIP or private insurers).
- Meet the adjuster; walk them through all damage.
- Get your own written repair estimate from a licensed contractor.
- Compare the insurer's scope line-by-line with your contractor's estimate.
- Ask questions in writing if something's missing.
- If you disagree, ask about your policy's appeal/appraisal process or contact your state insurance department (Arizona: Department of Insurance and Financial Institutions).
Storm-chaser red flags (FTC)
- Door-to-door crews offering to start today
- Upfront payment or cash demands
- Offers to 'cover' your deductible
- Asking you to sign over your insurance check or sign documents you don't understand
- No local address or license
Paying for repairs
Insurance checks often include your mortgage company's name and may be released in stages. Pay the contractor as work is completed - never the whole claim up front.
Help
Got an insurance scope and a contractor estimate that don't match? Send both for a Second Look Review ($25).
Sources
- How To Avoid Scams After Weather Emergencies and Natural Disasters Federal Trade Commission
- FloodSmart (National Flood Insurance Program) FEMA / NFIP
- DisasterAssistance.gov U.S. Government
- Arizona Department of Insurance and Financial Institutions State of Arizona
- Flooded Homes: cleanup and indoor air U.S. EPA
- Mold Cleanup in Your Home U.S. EPA
External sites open in a new tab; Corky's MHS™ is not affiliated with them. Statutes and agency pages change - check the current version.
Please note
Educational information only - not legal, engineering or code advice. Rules vary by state, county and city, and change over time. Check with your local building department and licensing board, and read your own contract.
Want a pro to look it over?
Corky has nearly 25 years as a general contractor across every trade. Send a bid for a Second Look Review (from $25) or ask a quick question at the Contractor's Desk ($5).