Storm Type Guide

Hurricane Damage (What to Do Before, During, and After)

A simple hurricane claim guide: what to document, how to start a claim, wind vs flood basics, and trusted resources like NHC, FEMA, SBA, and NWS.

"Understanding your damage type is the first step to fair compensation."

Hurricanes cause 3 main kinds of damage

Hurricane “first 48 hours” plan

Step 1 — Safety

Avoid downed wires and unstable trees

Don’t enter flooded areas if you can avoid it

Step 2 — Document

Photos of roof, windows, doors, and every room

Video walk-through (inside + outside)

Keep a list of damaged items

Step 3 — Start the claim

Call your insurer

Get the claim number

Ask about emergency repairs and what receipts to save

Wind vs flood (simple explanation)

(Policies vary. If you’re unsure, ask your insurer exactly what applies.)

Select Your State

Find state-specific information about Hirricane damage claims, local regulations, deadlines, and common carrier issues.

Texas

Texas storm claims often involve strict prompt notice requirements, high wind and hail claim volumes, and detailed documentation standards. Missing a reporting window or submitting incomplete proof can stall or close a claim without payment.

Florida

Florida homeowners face hurricane deductibles, evolving insurance laws, and strict filing deadlines. Understanding how recent legal changes affect disputes and documentation is critical before submitting or challenging a claim.

Arizona

Arizona storm claims frequently involve monsoon damage, roof impacts, and water intrusion disputes. Clear storm dating and structured documentation are key to avoiding delays and denials.

Nevada

Nevada homeowners often deal with wind, hail, and sudden water damage claims. Insurers closely review scope and repair estimates, making organized documentation especially important.

California

California storms can bring strong wind, hard rain, and flooding. In some areas, mud and debris can also damage homes. This page helps you document damage the right way, understand basic claim steps, and find trusted public resources.

Georgia

Georgia storms can bring tornado winds, hail, and falling trees. Water can enter fast through roofs and siding. This page gives a simple plan for storm claims, what proof to collect, and where to report issues if your claim goes off track.

Illinois

Illinois gets severe storms, hail, and high winds—and winter storms too. Damage can include roofs, siding, gutters, windows, and water leaks. This page helps you report damage early, keep your claim organized, and use state resources if needed.

Read Articles

Free guides to help you understand and manage your storm damage claim.

Helpful Resources

Free guides and tools to help you understand and manage your storm damage claim.

Hurricane tracking

National Hurricane Center (NHC)

Storm alerts and warnings

National Weather Service (NWS) Active Alerts

Disaster help

(only if a federal disaster is declared)

Recovery loans (when eligible)

SBA Disaster Assistance

Flood insurance info

(often asked after big storms)

Shelter and recovery support

American Red Cross

Hurricane Damage FAQs

Answers to common questions about Hirricane damage insurance claims.

What should I do first after a hurricane?

Stay safe, take photos, then start your claim and save receipts.

Where do I track hurricanes officially?

Use the National Hurricane Center and National Weather Service alerts.

What if my home has both wind and flooding?

Document both. Ask your insurer how each part is handled.

Can FEMA help me?

FEMA help is usually tied to declared disasters. You can check disaster assistance and apply if eligible.

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.

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