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Insuring for Storms

Insuring for Storms - The Beacon


By: Michael

Insuring for Storms

Some national weather observers are predicting an active storm season in the Midwest this spring. Homeowners and vehicle owners need to make sure they have adequate coverage. Your BBB offers this checklist of questions and information for determining whether your insurance is ready for spring.

*Do you have the right insurance?

*Do you know what your policy covers?

*Is the amount of coverage adequate?

*Does it cover new additions or recent remodeling?

*Check all limits, including coverage for contents. Keep your agent’s name and number available and easy to find, and periodically discuss coverage options with him or her.

*Know your policy coverage exclusions. Not all policies cover the following: Water damage, including flood and surface damage, whether driven by wind or not; backup of sewer or drains; and sump pump failure. These are the most common exclusions. Riders for these situations may be available to add to your existing policy. Also, check your auto policy. Comprehensive coverage (other than collision) usually pays if damage is caused by wind, hail and/or flood.

*Keep an inventory of your personal property with a “Personal Home Inventory” booklet to help you list the contents of your home. Keep a copy of the inventory, sales receipts and video or photographs of your personal property in a secure place outside of your home.

Recovering after a storm – If you suffer loss or damage because of windstorm or hail, follow these tips:

*Contact your agent and/or insurance company immediately.

*Keep a record of conversations with your agent or company. Write down the date and time, the person’s name and a summary of the call.

*Make a list of all damaged property, and take photographs and/or video of it.

*Get instructions from your company’s adjuster before calling anyone to repair or replace damaged property. Your insurer’s visual inspection of your loss may be required before claims are paid.

*Keep a list of all damaged property with the date, price and place of purchase for the adjuster.

*Make a copy of the list and all insurance forms you fill out for your own records.

Settling your claim – If a windstorm or hail disaster occurs, adjusters will handle the largest losses first, but they should work to handle all claims as quickly as possible. Remember the following:

*Be present when your adjuster inspects your property.

*Insurance companies will have their own company or hired adjusters who should have appropriate employee identification. Be leery of any public adjuster who would charge you a percentage or your claim amount.

*Beware of questionable or unfamiliar contractors in obtaining repair estimates. If possible, get more than one written estimate, and hire only local, reputable contractors to make the repairs once you get a written settlement from your insurance company.

*If you experience problems with your adjustment, you may file a complaint with your BBB, Indiana Department of Insurance, Kentucky Department of Insurance, or the Illinois Department of Insurance.

You can also download an app for your smartphone which contain useful guides from the National Association of Insurance Commissioners.

Consumer’s Guide to Auto Insurance (PDF)

Consumer’s Guide to Home Insurance (PDF)

For more information you can trust, visit


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Michael is our Business Information Specialist and will be writing at least one article per week for the consumer education blog. He works with accredited businesses to ensure we maintain current contact information and licensing. He is usually first to answer the phone; so odds are good you will be speaking with him when calling our office.