00:00The storm just ripped part of the roof off your home, and what you do in the next few hours
00:06could decide whether insurance covers everything or you're left paying out of pocket.
00:10First, call your insurance company immediately. Start the claim and get an adjuster on the way.
00:16Then document everything before you touch a thing. Your roof, your ceilings, water coming in, damage to your car, photos,
00:23video, get it all.
00:24If you need to make quick temporary repairs to stop more damage, do it. But save every receipt. That's how
00:32you get reimbursed.
00:33If your home isn't safe to stay in, keep those hotel and food receipts, too. That could be covered.
00:39When the adjuster arrives, don't leave them on their own. Walk the property with them. Show them exactly what happened.
00:46And before they step inside, verify who they are. Scammers follow storms. If a tree came down, even from your
00:53neighbor's yard, call your insurance.
00:55They'll handle the claim first. For your vehicle, storm damage is usually covered if you have comprehensive.
01:01But if there's flooding, don't drive it until it's inspected.
01:04And be careful with contractors. No pressure, no rush signatures, because when your roof is gone, everything feels urgent.
01:12But the wrong move could now cost you thousands later.
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