When a major storm hits, time is not on your side. Here’s why immediate action matters:

1. Your Insurance Policy Has Strict Deadlines

Most homeowners’ insurance policies contain a limited window to report damage—often as short as 365 days from the date of loss. Missing that deadline could mean losing your right to file a claim altogether.

2. Delaying Can Lead to Denial

Waiting too long may give insurers a reason to argue that:
• The damage was not storm-related, or
• The damage was worsened by neglect (e.g., water intrusion, mold, deterioration)
This can lead to denied or reduced claim payouts.

3. Storm Damage Isn’t Always Obvious

Even if your roof isn’t leaking today, hail, wind, or flying debris may have compromised your shingles, flashing, or gutters. These hidden damages can get worse with time, leading to expensive repairs that may not be covered if you wait.

4. Insurance Companies Move Faster Early On

Insurers are typically more responsive and generous early in the storm recovery cycle. As more claims roll in, adjusters get overwhelmed, inspections are delayed, and payouts may slow down or face greater scrutiny.

5. Government Reinsurance Programs Are Active Early

After major storms, insurance carriers may be reimbursed by federal reinsurance programs such as FEMA or through state-level catastrophe funds. When the damage is widespread, they often have less resistance to approving valid claims quickly—but only if the claim is filed promptly.

Bottom Line:
You paid for protection—use it while it’s still available. Filing now secures your place in line, gets your property inspected before damage worsens, and increases the likelihood of a smoother, full-value payout.

Need Help?

TTLC Roofing, Siding & Gutters will inspect your property for free and help you file the claim if damage is found.
Contact us at 815-205-1500 to get started today.