Licensed Public Adjusters · Serving GA, TN, SC & NCclaims@plpas.com · Fast Response, 7 Days a Week

Storm Damage Claims

Storms leave damage in many places at once. We inspect the whole property and build the claim around everything your policy may cover.

Adjuster reviewing a fallen limb on a fence
Full-Loss Review

What We Look For

Storm damage is often spread across the whole property. We look at all of it.

  • Lightning and surges

    Damage from lightning strikes and electrical surges.

  • Rain intrusion

    Rain that entered through storm-damaged openings.

  • Roof and exterior

    Damage to roofing, siding, soffits, and gutters.

  • Windows and doors

    Broken windows, doors, and garage doors.

  • Detached structures

    Fences, sheds, carports, and other outbuildings.

  • Tree impact

    Trees and limbs that struck the home.

  • Interior and contents

    Interior damage and contents affected by the storm.

  • Debris removal

    Debris and tree removal, which many policies limit.

First Steps

What To Do Right Now

You are dealing with a lot. These steps protect your safety and your claim.

  1. Stay safe. Stay clear of downed power lines, standing water, and damaged structures.

  2. Photograph the damage. Take photos and video before cleanup or repairs, where it is safe to do so.

  3. Make temporary repairs. Tarp the roof or board openings if you can do it safely, and keep the receipts.

  4. Report the loss. Tell your insurer and write down your claim number.

  5. Keep damaged materials. Hold on to them until they are documented.

  6. Call us before you accept an offer. A free claim review takes about two minutes to start, and there is no cost to review your claim.

Good To Know

Storm Claim Questions

Is Storm Damage Covered?

Many homeowner policies cover storm damage, though some causes carry separate deductibles or exclusions. We read your policy with you.

Who Pays For Temporary Repairs?

Reasonable steps to protect the property are usually expected, and the costs may be covered. Keep every receipt.

How Soon Should I Report Storm Damage?

As soon as you can. Policies often set notice deadlines, so do not wait.

Can I Hire You If My Claim Is Already Open?

Often, yes. Bring your policy, your claim file, and any carrier letters, and we will review where things stand.

How Long Does A Storm Claim Take?

It depends on the size of the loss and how the insurer responds. We explain the likely timeline in your free claim review.

Free, No-Obligation

Don't Settle For Less

Get a clear read on your policy and your claim before you accept any offer.

Talk to a licensed adjuster, not a call center.