Summertime severe weather poses the threat of damaging your home from fallen, blowing debris from trees, high speed winds, hail, and large quantities of rain. Assessing your home immediately after a large storm is a critical step when filing an insurance claim. If a storm brings concerns about possible damage to your property, remember to take these steps to inspect for damage.


  • Cracked, dented, bruised shingles
  • Tree limbs or other debris on roof
  • Missing shingles
  • Holes in shingles
  • Water stains on ceiling

Exterior of Home

  • Dents or holes in siding
  • Torn metal siding
  • Cracked wooden siding
  • Broken, dented, damaged light fixtures, air vents, a/c units

Sump Pump & Crawl Space

  • Is sump pump properly working to drain water?
  • Check for standing water in crawl space or basement


  • Cracked or shattered glass
  • Dents or cracks in window frames
  • Tears in screens

Decks, Railings, Fencing

  • Stripped paint
  • Cracked decking, railings
  • Dented or broken fencing


  • Large, broken branches
  • Fallen trees
  • Split trees and limbs


  • Dents or other roof damage from hail or debris
  • Cracked or broken windows
  • Flooding inside vehicle

If you notice any signs of damage to your property, take photos and write down all details. These images and notes will help in filing your insurance claim. Take steps to ensure your home is safe – board up broken windows, tarp any roof repairs, remove standing water. And of course, call us. Our agents are on your side and will help file your claim according to your policy. (218) 491-7855. Don’t forget – if a storm happens outside of business hours, contact your policy holder right away. Click here for 24/7 Claims Assistance.


Informational statements regarding insurance coverage are for general description purposes only. These statements do not amend, modify or supplement any insurance policy. Consult the actual policy or your agent for details regarding terms, conditions, coverage, exclusions, products, services and programs which may be available to you. Your eligibility for particular products and services is subject to the final determination of underwriting qualifications and acceptance by the insurance underwriting company providing such products or services.

This website does not make any representations that coverage does or does not exist for any particular claim or loss, or type of claim or loss, under any policy. Whether coverage exists or does not exist for any particular claim or loss under any policy depends on the facts and circumstances involved in the claim or loss and all applicable policy wording.