State Overview
CALIFORNIA
Storm Damage Claims (Hail, Wind, and Hurricane)
California storm claim steps for wind, heavy rain, and flooding. Simple checklist, proof tips, and official resources.
California Claim Process
What to document (think “outside + inside”)
1
Roof edges, shingles/tiles, vents, gutters, broken windows (outside)
2
Ceiling stains, wet drywall, wet floors, damaged items (inside)
3
Take wide photos (whole room) and close photos (the damage).
California storms are not all the same
Some years bring long dry spells. Then storms hit hard with heavy rain and strong wind. In some areas, water can cause flooding, roof leaks, and even mud or debris damage.
Don’t lose your timeline!
Storm date (best estimate is ok)
Claim opened
Inspection date
Keep it simple when you talk to insurance
- Wind damage to the roof.
- Rain caused water inside.
- These stains started after the storm.
- When is the inspection?
- What is covered, and what is not?
Explore by Storm Type
Different storms cause different types of damage. Learn about the claims process specific to your situation.
Hail Damage
Roof damage, dented vehicles, broken windows, and damaged siding from hailstones.
- Learn More
Wind Damage
Missing shingles, fallen trees, structural damage from high winds and tornadoes.
- Learn More
Hurricane Damage
Comprehensive damage from wind, rain, flooding, and storm surge from hurricanes.
- Learn More
Read Articles
Free guides to help you understand and manage your storm damage claim.
Helpful Resources
California & National resources to help with your storm damage claim
CALIFORNIA — Insurance Consumer Help
California Department of Insurance (CDI)
- 1-800-927-4357
- 300 South Spring Street, 14th Floor, Los Angeles, CA 90013
- Visit Website
CALIFORNIA — Emergency Management
California Governor’s Office of Emergency Services (Cal OES)
- (916) 845-8510
- 3650 Schriever Ave, Mather, CA 95655
- Visit Website
FEMA Disaster Assistance
- 1-800-621-3362
- https://www.disasterassistance.gov/
SBA Disaster Assistance:
- 1-800-659-2955
- https://www.sba.gov/funding-programs/disaster-assistance
Flood insurance info
- 1-877-336-2627
- https://www.floodsmart.gov/
American Red Cross:
- 1-800-733-2767
- https://www.redcross.org/
Weather alerts
Hurricane tracking
California FAQs
Answers to common questions about storm damage insurance claims in california.
What damage is common after California wind and rain?
Roof leaks, broken windows, gutter damage, and water stains inside.
Should I wait to file a claim?
It’s usually safer to report damage early, even if it looks small.
What if the adjuster can’t see the roof well?
Share clear photos and any written repair notes you have.
Who helps California consumers with insurance issues?
The California Department of Insurance can help with consumer questions.
Where do I get storm alerts?
The National Weather Service alerts page is a solid place to start.
Need Guidance?
If you have questions about your storm damage claim or need help understanding your options, we’re here to help point you in the right direction.