Storm Damage Insurance Claims: A Guide for Indiana Homeowners
By Faulkner Restoration · · 7 min read
Severe thunderstorms, hail, and high winds hit Central Indiana every year. If your roof, siding, or windows took a beating, a smooth insurance claim starts with the right steps in the first few days.
Prevent Further Damage First
Most policies require you to take reasonable steps to prevent additional damage. Emergency tarping and board-up protect your home and your claim. Keep the receipts.
Document the Damage Thoroughly
Your claim is only as strong as your records:
- Date-stamped photos of roof, siding, gutters, and windows
- Close-ups of hail dents on vents, cars, and downspouts
- Video of interior leaks and ceiling stains
- A list of damaged belongings with approximate values
File Promptly and Track Everything
Call your insurer as soon as possible. Write down your claim number, adjuster's name, and every conversation. Many policies set deadlines for reporting storm damage.
Have a Restoration Pro Meet the Adjuster
A restoration contractor can point out damage an adjuster might miss — like water intrusion inside wall cavities. Faulkner Restoration works directly with insurance adjusters and offers direct billing when possible.
Frequently Asked Questions
How long do I have to file a storm claim in Indiana?
It depends on your policy. Many insurers expect notice within days to a year — check your policy and report as soon as you can.
Will a claim raise my premium?
Weather-related claims are often treated differently from at-fault claims, but every insurer is different. Ask your agent.