All claim guides
Claim guide
Natural Disaster Claims
After a tornado, hurricane or other severe event, widespread demand can affect inspections and repair timelines. Keep safety first, record damage as conditions allow, and follow instructions from your insurer and local authorities.
Talk with Aegis
Start here
First steps to consider
- Follow local emergency guidance and stay away from unstable structures, downed lines, and other hazards.
- Report the loss to your insurer as soon as practical and keep a note of the date, time, and claim reference.
- Photograph the property and damaged belongings from safe locations before cleanup or temporary repairs.
- Protect the property from additional damage when it is safe to do so, and keep receipts for emergency work and temporary living costs.
Get organized
What to gather
- Photos or video of all affected parts of the property and surrounding site
- A dated list of damage and damaged belongings
- Insurer communications, claim number, contractor reports, and repair estimates
- Receipts for temporary repairs, mitigation, lodging or other costs related to the loss
What happens next
How the claim process usually goes
- 1
The insurer registers the claim and advises on inspection and documentation.
- 2
An inspection and estimate help establish the reported damage; a high-volume event may mean additional coordination.
- 3
The carrier reviews coverage, damage records and estimates, and may ask for further information.
- 4
Track open questions and submissions. If estimates differ, ask for the carrier’s review steps and document any additional damage found during repairs.
Explore another claim guide
Browse all claim guides