Before the storm:
Clean out your garage and yard: Take steps to reduce risks of damage to your property by having a covered spot for your car during a hail storm, and removing dying tree limbs and outside furniture that can go airborne during a windstorm.
Make a family plan: Create a safety plan and know where to take shelter in case of a tornado. Visit emergency management government websites to help you come up with a plan before a catastrophe.
Take stock of your stuff: Walk through your home with a video or still camera to create a record of what you have and where it is.
Call your insurer: Review your current policy with your agent to make sure your coverage meets your needs.
Make temporary repairs: Make reasonable temporary repairs to prevent further damage. Save the receipts for temporary repairs as these expenses may be reimbursed, depending on the terms of your homeowner’s policy. Your adjuster will need this information.
Document damages: Inventory your home and list damaged items before your adjuster arrives. An inventory can help during the claims process after a disaster.
Research contractors: Work only with local and insured contractors and have them provide you with reviews and documentation.