Storm status and your next steps
Whether it is a Gulf hurricane and surge in Tampa Bay or hail, straight-line wind, and basement flooding in Chicagoland, the first hours after a storm matter most. Here is what to do, plus a live look at active alerts across our regions.
After storm damage: a calm checklist
- Make sure everyone is safe and stay clear of downed power lines and standing water.
- If it is safe, take photos and video of all damage before you move or clean anything.
- Make temporary repairs to stop further damage (a tarp or board-up), and keep the receipts.
- Write down the date and what happened while it is fresh.
- Contact your insurer to report the loss, and ask them about your specific coverage and deductible.
- Get a free inspection and written estimate from a licensed contractor.
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Storm season questions
When does hurricane season start?
Atlantic hurricane season runs June 1 through November 30 each year. The smart time to know your contractor is before a storm, not during the scramble after one.
What changed with Florida insurance and 'AOB'?
For policies issued on or after January 1, 2023, Florida ended Assignment of Benefits, which means a contractor can no longer take over your insurance claim. You work directly with your insurer. We connect you with a licensed contractor to assess and document damage, but for coverage questions you should talk to your insurer or a licensed public adjuster.
Should I sign anything before my insurer sees the damage?
Read everything carefully and never feel rushed. We do not ask you to sign contracts or assign anything. Any work agreement is strictly between you and the contractor you choose.