Here is a quick storm checklist regarding insurance claims:
1) Take photos of exterior & interior before the storm hits to show pre-loss condition of your home.
2) Put a copy of your Homeowners & flood policies in a safe water-proof place.
3) Any documentation as to the value of personal property should also be kept in a safe place ie. jewelry valuations & appraisals, receipts for electronics etc…
4) If your roof is leaking, have a contractor tarp it or repair it. However, make sure that whoever tarps the roof takes some overview photos of the roof to show the damage. The reason is that your Insurance Company has a right to inspect the damages. You don’t want to be in a situation where the Adjuster puts your claim “on the shelf” until you can coordinate with a roofer to take the tarp off and then put it back on. Roofers and Adjusters will be busy.
5) If water comes into your home, time is of the essence. Contact a water mitigation company asap. They will also be busy.
6) Most insurance policies have a “Named Storm” or “Hurricane” deductible which can be a % of your policy. If you feel that the damages to your home may exceed your deductible, get your claim filed as soon as possible. You don’t want to have your Adjuster schedule your appointment for 2-4 weeks from now because his schedule is full.