A Step-by-Step Guide from Langlois Insurance Agency
When severe storms roll through Illinois, they can leave behind more than just fallen branches and power outages. High winds, hail, lightning, heavy rain, and even tornadoes can cause significant damage to your home in just a matter of minutes.
If your home has been damaged by a storm, it’s natural to feel overwhelmed. Knowing what to do immediately after storm damage can help protect your family, prevent additional damage, and make the insurance claims process much smoother.
At Langlois Insurance Agency, we’ve helped Illinois homeowners navigate storm claims for more than 40 years. Here’s exactly what you should do if your home is damaged by severe weather.
Step 1: Make Sure Everyone Is Safe
Your family’s safety is always the top priority. Before inspecting any damage:
- Stay away from downed power lines.
- Leave the home immediately if you smell gas.
- Watch for broken glass, exposed nails, or unstable structures.
- Avoid standing water that may be electrically charged.
- Wait until local officials say it’s safe before returning after a tornado or severe storm.
If your home is unsafe to occupy, seek shelter elsewhere and contact emergency services if needed.
Step 2: Prevent Additional Damage (If It’s Safe)
Most homeowners insurance policies require you to take reasonable steps to prevent further damage after a covered loss.
Examples include:
- Place a tarp over a damaged roof.
- Board up broken windows.
- Remove water with towels or a wet vacuum.
- Move furniture away from leaks.
- Shut off the water if a pipe has burst.
- Cover exposed belongings with plastic sheeting.
Keep all receipts for emergency repairs and supplies. These expenses may be reimbursable under your homeowners insurance policy.
Step 3: Take Photos and Videos of Everything
Before cleaning up, thoroughly document the damage.
Take photos of:
- Your roof
- Gutters
- Siding
- Windows
- Garage doors
- Fences
- Trees
- Landscaping
- Water damage inside the home
- Ceilings and walls
- Flooring
- Personal belongings
Don’t forget wide-angle photos along with close-up images. The more documentation you have, the easier it is for your insurance company to evaluate your claim.
Step 4: Create a List of Damaged Property
As you inspect your home, make an inventory of any damaged property.
Include:
- Furniture
- Electronics
- Appliances
- Clothing
- Tools
- Outdoor equipment
- Decorations
- Personal valuables
If possible, note:
- Approximate purchase date
- Estimated value
- Original receipts or photos
This information can significantly speed up your claim.
Step 5: Contact Us at #815-485-2106 as Soon as Possible
One of the biggest advantages of working with a local independent insurance agency is having someone on your side during the claims process. At Langlois Insurance Agency, we help our clients:
- Understand what their policy covers
- Explain deductibles
- Start the claims process
- Answer questions
- Coordinate with the insurance company
- Help reduce unnecessary stress
Storm claims can become complicated quickly. Having a knowledgeable local agent to guide you can make a tremendous difference.
Step 6: Beware of Storm Chasers
Unfortunately, severe weather often attracts dishonest contractors looking to take advantage of homeowners.
Watch for companies that:
- Knock on your door immediately after a storm
- Demand payment upfront
- Pressure you to sign contracts immediately
- Promise to “waive your deductible”
- Ask you to sign insurance checks over to them
Always research contractors, check reviews, verify licensing when applicable, and never feel pressured into making an immediate decision.
If you’re unsure, please call us at Langlois Insurance Agency #815-485-2106 for guidance.
Step 7: Don’t Throw Away Damaged Items Yet
Unless they present a health or safety hazard, keep damaged items until your insurance company has had an opportunity to inspect them.
This includes:
- Roofing materials
- Flooring
- Appliances
- Furniture
- Electronics
- Personal belongings
Your adjuster may need to see the damaged items during the inspection.
Step 8: Understand What Your Homeowners Insurance May Cover
Every homeowners insurance policy is different, but many policies may help cover damage caused by:
- Windstorms
- Hail
- Lightning
- Falling trees
- Certain water damage resulting from a covered event
However, standard homeowners insurance typically does not cover flood damage from rising water. Separate flood insurance is usually required for that type of loss.
If you’re unsure what your policy covers, please give us a call at #815-485-2106 so we can review your coverage with you.
Step 9: Schedule Repairs with Trusted Contractors
Once your claim is underway, begin obtaining repair estimates from reputable local contractors.
Remember:
- You generally have the right to choose your own contractor.
- Don’t feel pressured into hiring the first company that contacts you.
- Read contracts carefully before signing.
- Ask questions if anything is unclear.
Taking a little extra time upfront can help you avoid costly problems later.
Frequently Asked Questions
Should I call my insurance company before cleaning up?
Yes. Contact your insurance company or insurance agent as soon as possible. If emergency repairs are needed to prevent additional damage, document everything with photos first and keep all receipts.
Will homeowners insurance pay for a damaged roof?
If your roof was damaged by a covered event such as hail or wind, your homeowners insurance may help pay for repairs or replacement, subject to your policy terms and deductible.
What if my power goes out?
Some homeowners policies provide limited coverage for spoiled food if the outage results from a covered event. Check with your insurance agent to understand your specific policy.
Should I file a claim for every storm?
Not necessarily. The extent of the damage, your deductible, and your policy should all be considered. Before making a decision, speak with your insurance agent so you understand your options.
Why Having a Local Insurance Agency Matters
After a major storm, call centers can become overwhelmed with thousands of claims.
When you work with Langlois Insurance Agency, you’re working with a local team that knows Illinois weather, understands the claims process, and is committed to helping you every step of the way.
Our goal isn’t simply to sell insurance – it’s to help protect your home, your family, and your peace of mind when you need us most.
Need Help After Storm Damage?
If your home has been damaged by hail, wind, lightning, or another severe storm, the experienced team at Langlois Insurance Agency is here to help.
We’ll answer your questions, explain your coverage, and guide you through the claims process from beginning to end.
Call Langlois Insurance Agency today at 815-485-2106 to speak with one of our experienced insurance professionals or request a complimentary review of your homeowners insurance coverage to make sure you’re prepared before the next Illinois storm arrives.