Storm Property Damage: Documenting Losses and Preserving Insurance Claims

Reviewed September 7, 2026.

This article originally addressed Tropical Storm Hermine in 2016. The storm is historical; the following guidance concerns preparation and response to a new property loss.

Keep insurance policies, claim contacts, photographs and important business records in a secure location with a backup. After a storm, protect people first and avoid unsafe structures, electrical hazards and floodwater.

Document and report the loss

Notify potentially applicable insurers promptly. Photograph or video damage when safe, inventory damaged property, retain estimates and receipts, and confirm important conversations in writing. Take reasonable emergency steps to prevent additional damage, documenting conditions before alteration when possible. Coordinate nonemergency demolition and permanent repairs with the insurer’s inspection and policy requirements; do not discard useful evidence unnecessarily.

Wind, wind-driven rain, storm surge and flooding may be treated differently. Standard homeowners and renters policies generally exclude flood losses, for which separate coverage may be needed. Commercial property and builder’s risk terms require their own review. A storm’s name alone does not determine coverage.

The New York Department of Financial Services’ disaster guidance explains documentation and claims resources. Review any denial against the actual policy, endorsements and facts. Track proof-of-loss, appraisal, notice and suit deadlines separately; a complaint or negotiation does not automatically extend them.

Kushnick Pallaci PLLC assists clients throughout New York with property insurance coverage disputes. Contact 631-752-7100 or vtp@kushnicklaw.com.

Attorney Advertising. General information, not legal advice.