Severe weather is a reality of living in the Four-State region. From hail storms in Joplin to wind damage in Springdale, homeowners across Missouri and Arkansas know the sound of thunder all too well. But when the storm passes and you see damage, what comes next can feel overwhelming.
Filing an insurance claim doesn't have to be stressful. With the right preparation and a trusted partner, you can navigate the process confidently and ensure you receive the coverage you deserve. Here's your step-by-step guide to filing a storm damage insurance claim in Missouri and Arkansas.
Step 1: Prioritize Safety & Document the Damage
Before anything else, ensure your family is safe. Avoid going onto a damaged roof—what looks minor from the ground can be hazardous up close.
Once it's safe, document everything:
- Take Photos & Videos: Capture damage from multiple angles (roof, siding, gutters, interior leaks).
- Note the Date & Time: Record when the storm occurred.
- Make Temporary Repairs: If safe, tarp leaks to prevent further damage.
- Do Not Throw Away Damaged Materials: Keep samples until the adjuster visits.
Severe weather is a reality of living in the Four-State region. From hail storms in Joplin to wind damage in Springdale, homeowners across Missouri and Arkansas know the sound of thunder all too well. But when the storm passes and you see damage, what comes next can feel overwhelming.
Filing an insurance claim doesn't have to be stressful. With the right preparation and a trusted partner, you can navigate the process confidently and ensure you receive the coverage you deserve. Here's your step-by-step guide to filing a storm damage insurance claim in Missouri and Arkansas.
Step 1: Prioritize Safety & Document the Damage
Before anything else, ensure your family is safe. Avoid going onto a damaged roof—what looks minor from the ground can be hazardous up close.
Once it's safe, document everything:
- Take Photos & Videos: Capture damage from multiple angles (roof, siding, gutters, interior leaks).
- Note the Date & Time: Record when the storm occurred.
- Make Temporary Repairs: If safe, tarp leaks to prevent further damage.
- Do Not Throw Away Damaged Materials: Keep samples until the adjuster visits.
Step 2: Review Your Insurance Policy
Deductible Amount
Know your out-of-pocket responsibility.
Coverage Type
Verify if your policy is ACV or RCV.
Step 3: Contact Your Insurance Company
Stick to the facts. Report visible damage and request an adjuster inspection.
Step 4: The Adjuster Visit
How MIDWESTGuard Helps: As your advocate, we can meet the adjuster on-site to ensure all damage is accounted for—including hidden damage that untrained eyes might miss.
Step 2: Review Your Insurance Policy
Deductible Amount
Know your out-of-pocket responsibility.
Coverage Type
Verify if your policy is ACV or RCV.
Step 3: Contact Your Insurance Company
Stick to the facts. Report visible damage and request an adjuster inspection.
Step 4: The Adjuster Visit
How MIDWESTGuard Helps: As your advocate, we can meet the adjuster on-site to ensure all damage is accounted for—including hidden damage that untrained eyes might miss.