Storms in Covington, KY can hit fast and hard — leaving behind wind, hail, flood, or water damage that can feel overwhelming. But don’t panic! With the right steps, you can smoothly navigate the insurance process and get your home restored quickly.
Table of Contents
1. First Steps After Storm Damage Hits Your Property
When the skies clear, here’s what you should do immediately:
- Stay Safe — Avoid downed power lines, broken glass, or unstable structures.
- Inspect Visible Areas — Walk around your property and take note of obvious damage (roof, siding, windows, gutters, yard).
- Take Photos and Videos — Document everything! Clear, timestamped photos of the damage are essential for your insurance claim.
- Prevent Further Damage — Cover broken windows or roof holes with tarps or plastic sheeting if it’s safe to do so.
- Contact a Restoration Company — A+ Restoration can provide a detailed inspection, emergency repairs, and help guide your insurance process.
Wondering, should I call insurance or a contractor first? Many experts recommend calling a trusted contractor first. They can assess the damage and provide a professional report to strengthen your claim.
2. How to Document and Report Storm Damage to Insurance
Filing an insurance claim after storm damage doesn’t have to be stressful if you follow these steps:
Review Your Policy — Understand what’s covered (wind, hail, water, flood, etc.) and check your deductible.
Submit Prompt Notice — Contact your insurance provider as soon as possible, even if you’re still gathering details.
Provide Documentation —
- Include photos and videos of the damage.
- Add written notes explaining when the storm hit and what you’ve observed.
- Include any contractor inspection reports or estimates.
Keep All Receipts — If you pay for emergency repairs or temporary lodging, save those receipts — many policies reimburse these expenses.
Homeowners often ask, how long do I have to file a storm damage claim? — It varies by policy, but generally you should file within a few days to a couple of weeks after the event.
For tips on storm damage cleanup, visit A+ Restoration’s storm services.
3. Why You Should Work With a Professional Restoration Contractor
Handling storm repairs yourself might seem like a good idea, but here’s why working with a certified contractor like A+ Restoration is smarter:
- Expert Inspections — We spot hidden damage insurance adjusters might miss.
- Detailed Damage Reports — We document everything thoroughly to back up your claim.
- Temporary Protection — We secure your home against further damage, which your insurance often requires.
- Insurance Communication — We help you navigate adjuster meetings and explain the needed repairs.
- Guaranteed Quality Repairs — You get professional restoration, not quick patchwork.
A+ Restoration is experienced in working with insurance companies and knows how to advocate for homeowners.
4. Common Questions About Storm Damage Insurance Claims
Here are answers to the top questions Covington homeowners often ask:
Will insurance cover all storm damage?
Most policies cover wind, hail, and water from sudden storms — but not gradual leaks or maintenance issues. Flooding often requires separate flood insurance.
Do I need multiple estimates?
Not necessarily — one detailed, professional estimate is usually enough, especially from a trusted contractor.
How long does the insurance process take?
It can take a few days to several weeks, depending on the complexity of the damage and the insurer’s workload after a major storm.
What if the insurance payout is too low?
You can dispute the payout; having a contractor on your side helps provide evidence to support a higher settlement.
Still have questions? Contact A+ Restoration — we’re happy to help!
5. How A+ Restoration Supports You Through the Insurance Process
At A+ Restoration, we don’t just fix storm damage — we guide you through the entire insurance process to make recovery easier:
- Free, no-obligation inspections
- Emergency board-up and tarping services
- Detailed repair estimates and reports for insurance
- Direct communication with adjusters
- Licensed, certified repairs for roof, siding, water damage, and more
We’re your local Covington experts, helping homeowners recover from storms with care, speed, and professionalism. Check out our reviews on Google Maps to see why neighbors trust us!
Don’t navigate storm damage and insurance headaches alone.
Call A+ Restoration at 859-568-5284
Visit aplusrestoration.org
Find us on Google Maps
We’re here 24/7 to help you recover, rebuild, and restore your home — the A+ way!