SERVING KANSAS CITY & WICHITA FOR OVER A DECADE.
STORM DAMAGE RESOURCES
Understanding Storm Damage & Your Insurance
Navigating the aftermath of a storm can be overwhelming, especially when dealing with insurance claims. This resource explains common types of storm damage, how policies typically address them, and the steps that help you document damage and understand the claims process.
FROM STORM TO DOCUMENTED
Documenting storm damage effectively
A clear record makes it easier to understand what happened and communicate with your insurance company.
01
Capture what you can see
Take photos and videos of all visible damage, both inside and outside your home.
02
Keep a complete record
Document everything. Keep detailed records of all communication with your insurance company.
03
Get professional reports
Obtain reports from qualified professionals to support your claim.
Navigating the insurance claims process
Navigating the insurance claims process can be complex. Understanding your policy, documenting damage thoroughly, and communicating effectively with your insurance company are crucial steps. Don’t hesitate to seek professional assistance to help ensure your claim is handled fairly and accurately.
KANSAS CITY STORM DAMAGE
What types of storm damage are covered?
Kansas City homeowners face three primary storm threats: hail damage, wind damage, and water intrusion.
Standard homeowner policies typically cover hail damage, wind damage, and water intrusion—but only if the damage is documented correctly and filed within your policy’s notification window (often 60–90 days, sometimes up to 2 years depending on your carrier).
Common damage adjusters overlook:
- Granule loss on shingles that is not visible from the ground
- Seal damage between shingle layers
- Dented metal flashing and soffit damage from high winds
- Underlayment exposure from impact cracks
These can be functional damage items—not merely cosmetic—and are covered under many Kansas and Missouri policies. The difference between “cosmetic” and “functional” damage is often where payouts are reduced. Knowing that distinction before you file can make a significant difference.
If you experienced a storm and aren’t sure whether you have a claim worth filing, our No Obligation Storm Property Check gives you a clear answer before you make any calls.
WHO WILL YOU CALL AFTER THE STORM?
Get a clear answer before you file.
Schedule a No Obligation Storm Property Check to understand potential damage, documentation gaps, and the next step that makes sense for your property.