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    Pennsylvania Insurance Department

    Natural Disaster Guide

    From thunderstorms to snowstorms, weather in Pennsylvania can be unpredictable. We offer guidance to help homeowners and renters prepare for natural disasters, file insurance claims, and avoid scams. 

    A family stands together looking at damage to their roof after a natural disaster

    Before the Storm: Be Prepared

    Take steps to protect what matters, and set yourself up for success in case you need to file a claim.

    Keep your homeowners or renters policy up to date. Check with your insurance provider annually to make sure you have the right coverage. For example, ask if damage from floods and wind is covered under your policy.

    Keep a copy of your policy in a safe, waterproof place. 

    Take photos or videos of your belongings. This proves ownership to ensure fair, fast claim settlements.

    Save receipts if you can, especially for high-value items. Remember that standard policies often cap coverage for high-value items like jewelry, fine art, collectibles, firearms, and electronics. You may need endorsements or floaters to fully protect these items.

    Your home inventory should be stored online or in the cloud. Consider using this free home inventory app from our partners at the National Association of Insurance Commissioners (NAIC).

    Trim tree branches and secure loose items outdoors. Insurance policies may deny claims for damages caused by negligence, such as neglecting dead or overhanging limbs.

    Clean gutters and downspouts. This helps prevent water damage that can lead to mold, pests, and structural issues.

    Know how to shut off utilities in an emergency. Your main water valve, electrical breaker panel, and gas valve/meter are some key utilities to locate.

    Your emergency kit should include:

    • water
    • non-perishable food
    • flashlights
    • batteries
    • medication
    • first aid
    • important documents

    After the Storm: Property Claim Guidance

    The days following a natural disaster can be overwhelming and stressful. Follow these steps to help things go smoothly. 

    1. 1

      Contact Your Insurance Company ASAP

      • Follow the instructions they provide.
      • Give your insurance company all the information they need to avoid delays.
      • Write down the names and titles of everyone you talk to, along with the dates.
      • If you don’t understand something, ask questions!
    2. 2

      Document the Damage

      • Before you clean up or make repairs, take pictures or videos of the damage.
    3. 3

      Prevent More Damage

      • After documenting, make immediate repairs that are necessary to prevent further damage.
      • Don't make permanent repairs until your insurance company approves them.
    4. 4

      Save Your Receipts

      • Keep all receipts for any money you spend related to the damage. This helps with your insurance claim.
    5. 5

      Don't Rush Settlements

      • Try to find out the total cost of repairs before agreeing to any settlement.
      • You can negotiate! If disagree with the insurance company's offer, be ready to discuss it further. 
    6. 6

      If Your Claim is Denied

      • Check your policy to understand what's covered.
      • You may file an appeal to your insurance company’s claim manager.
      • If questions remain, please contact our Consumer Help Center. We’re happy to help!

    Protect Yourself from Scams

    Natural disasters can be a magnet for dishonest solicitors. Be wary of anyone who knocks at your door, including contractors and public adjusters who may try to take advantage of you.

    A public adjuster is a professional claims handler. They are licensed and regulated by the state. As a policyholder, you can hire them to assist with the claims process.

    Verify Licensing Information

    Always ask for licensing information from individuals presenting as public adjusters. Use this online tool to verify a licensed public adjuster.

    Report Suspicious Activity

    If you suspect that someone is posing as a public adjuster, please use our Consumer Help Center to report it.

    A contractor is a person or company hired to perform construction work. After a natural disaster, their job is to make restorations and repairs.

    Find a Reputable Contractor

    • Get more than one estimate for repairs.
    • Investigate any firm you may hire, and check their references.
    • Verify that the contractor is both registered and insured.
      • Ask for their Home Improvement Contractor (HIC) number. Verify that information on the Attorney General’s website or call their toll-free line at 1-888-520-6680. 
      • Home-improvement contractors must register with the Attorney General's Bureau of Consumer Protection if they do more than $5,000 of business per year in Pennsylvania. 

    After You've Picked a Contractor

    • Get everything in writing, including:
      • total cost for repairs
      • specific work to be done
      • timetable for completion
      • any guarantees the contractor offers
    • Do not sign paperwork with sections left blank. Someone might fill in the blank sections after you sign the paperwork.
    • Until work is completed, do not pay a contractor in full or sign that work is complete.
    • Be cautious of contractors without identifying company information on work vehicles. Out-of-state license plates can be another red flag.

    Need Help?

    Please use our Consumer Help Center to file a complaint or ask general questions.