Storm Damage Assessment Guide for Nebraska Homeowners

Nebraska's severe weather patterns bring frequent storms that can cause significant damage to homes. Knowing how to properly assess and document storm damage is crucial for insurance claims and ensuring your home receives necessary repairs. This guide walks you through the complete assessment process.

Immediate Post-Storm Safety Assessment

Your safety is the top priority after severe weather. Before assessing damage, ensure your property is safe to inspect and that utilities are functioning properly.

Safety First - Do Not Inspect If:

• Power lines are down on or near your property
• There's standing water near electrical sources
• You smell gas or suspect gas leaks
• Structural damage appears severe (sagging, cracks)
• Weather conditions remain dangerous

Initial Safety Checklist:

• Check for immediate hazards around property perimeter

• Inspect for broken glass or debris in walkways

• Verify utilities are functioning safely

• Look for obvious structural damage before entering

• Document any emergency temporary repairs needed

Comprehensive Damage Documentation

Thorough documentation is essential for successful insurance claims. Take your time to document all damage systematically, as missed damage can result in inadequate claim settlements.

Roof and Exterior Inspection:

• Roofing damage: Missing, cracked, or granule-loss shingles

• Gutter systems: Dents, separation, or complete detachment

• Siding damage: Cracks, holes, or impact marks

• Window damage: Broken glass, damaged frames, or screens

• Outdoor fixtures: Lighting, signs, and decorative elements

Interior Assessment Areas:

• Water intrusion: Ceiling stains, wall damage, or flooring issues

• HVAC systems: Damage to outdoor units or ductwork

• Electrical systems: Damaged fixtures or wiring exposure

• Personal property: Furniture, electronics, and belongings

Documentation Best Practices:

✓ Take photos from multiple angles and distances
✓ Include reference objects for scale (coins, rulers)
✓ Photograph undamaged areas for comparison
✓ Create a written inventory with descriptions
✓ Note dates, times, and weather conditions
✓ Keep receipts for any temporary repairs

Working with Insurance and Contractors

Understanding the insurance claims process and working with qualified contractors ensures you receive fair compensation and quality repairs.

Insurance Claim Steps:

Contact your insurance company immediately after the storm

Document all damage with photos and written descriptions

Make temporary repairs to prevent further damage

Meet with the insurance adjuster for property inspection

Review the claim settlement and negotiate if necessary

Choose qualified contractors for permanent repairs

Red Flags When Choosing Contractors:

✗ Door-to-door solicitation immediately after storms
✗ Requests for full payment upfront
✗ No local address or proper licensing
✗ Pressure to sign contracts immediately
✗ Offers to pay insurance deductibles

Choosing Quality Contractors:

• Verify local licensing and insurance coverage

• Check Better Business Bureau ratings and reviews

• Get multiple written estimates for comparison

• Ask for local references from recent projects

• Ensure contracts include material specifications and timelines