David City, Nebraska
594 N 4th St.
David City, NE 68632
(402) 367-3177

How to File a Claim After a Spring Storm April 8, 2019

David City, Butler
How to File a Claim After a Spring Storm, David City, Nebraska

Spring has arrived in Nebraska, which means that thunderstorm and tornado season has begun as well. While you hope winds, hail, and lightning won’t affect your house, your homeowners insurance policy will cover any damage that occurs. Understanding the process of filing a claim will help ensure you get the money you need to fix the property as quickly as possible.

Take Photos of the Damage

Carefully documenting the damage will help the insurance company process the claim. As such, take photos or videos before making any repairs. Even if you have a broken pipe or a hole in the roof, collecting evidence for the homeowners insurance claim should be your first priority.

Submit a Claim to the Insurance Company

homeowners insuranceAs soon as you have the situation under control, contact your provider to submit a claim. If you bought the homeowners insurance policy through an agency, your agent will guide you through the process and help collect the necessary documentation. They can also answer any questions you may have. 

Respond Promptly to the Insurer

Normally, the insurance company’s claims adjuster will contact you within 24 to 48 hours, although it might take longer if your area has experienced a widespread catastrophe. Depending on the type of claim, the insurer’s representative might need to inspect the damage themselves. If you needed to buy materials or pay a contractor for emergency repairs, the insurer would also need to see receipts and invoices. Once they’ve approved your claim, you should receive the funds you need fairly quickly.


With offices in Beatrice, David City, and Hickman, First State Insurance Agency helps homeowners throughout Nebraska protect their most valuable assets. Their team of independent agents works with some of the most trusted providers in the industry, giving them a wide variety of policies to choose from. Follow their Facebook for updates and news. Call (402) 979-7585 or visit them online to request a free homeowners insurance quote.

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