Storm Damage and your Insurance Policy

Posted by David Hamilton on Dec 15, 2014 1:15:30 PM

Now that the storm is over it is time to check your insurance policy.

After it is confirmed by authorities that  it is safe to go outdoors, you can begin to assess any potential damage. If you have property damage, you should report your claim as soon as possible. The more information you can provide when you report the loss, the better they can begin their response. However, if you have missing information but have sustained damage, please report your claim in any event.

Storm Damage Media Insurance


  1. Stay inside and make sure everyone is safe. Stay tuned to the media until an official "all clear" is given (if you were evacuated, return home only after authorities advise it is safe to do so.)
  2. Avoid downed power lines. Never touch anything in contact with power lines, including water or water puddles that may be near the downed power lines.
  3. Protect property from further damage. Board up broken windows at your production office, studio or filming location to protect against vandalism or additional weather damage. Arrange for reasonable temporary repairs.
  4. Keep accurate expense records. Save bills and materials receipts from your temporary repairs. (Do not make permanent repairs until the insurance adjuster has reviewed the damage.) Also, keep accurate records of other expenses incurred.
  5. Separate and inventory the damaged property. Write a list of any damaged contents. Include the item description, name of the manufacturer, the brand name, age, the place and date of purchase, if known. Use any photographs, videotapes or personal property inventories you may already have to help.