Before inspecting anything, check for safety hazards. Downed power lines, gas smells, or a damaged roof can make your home unsafe. If there’s any doubt, stay outside and call for help. Local authorities or emergency services can tell you when it’s safe to return.
Once the area is clear, take a walk around your property. Look for visible damage to the roof, siding, gutters, or windows. Inside, check ceilings and floors for water spots or cracks. Even minor damage can cause more significant issues if ignored, so take your time here.
Thorough documentation is key when filing a storm damage claim. Take photos of all affected areas from multiple angles. Include wide shots and close-ups, and don’t overlook smaller items like damaged furniture, fencing, or landscaping. Write down what you see and when it happened. Keep all storm damage records organized in one place to make the claims process smoother.
Storm damage often leaves parts of your home vulnerable to further issues — especially if windows are broken or the roof is compromised. A few quick actions can help minimize the damage:
Be sure to save any receipts for materials you purchase — your insurance company may reimburse you later.
When you’re ready to start the restoration process, call C-U Under Construction. We offer full storm damage restoration services in the Champaign area and can help you bring your space back to life, one step at a time.
Reach out to your provider as soon as possible. Many insurance companies have mobile apps or after-hours claim lines. Submit your storm damage photos and notes, and be ready to answer questions. An adjuster may schedule a personal visit to assess the damage.
The earlier you start the storm damage claims process, the faster it can move forward and get approved.
After big storms, it’s common for contractors to show up offering help. Some are great — others, not so much. It’s important to take your time and do the research.
Ask for credentials, read reviews, and ensure they’re licensed and insured. A trustworthy contractor won’t pressure you into signing on the spot or demand large upfront payments.
Already had someone out? We’d be happy to offer a second opinion. At C-U Under Construction, we’ve restored countless homes and businesses across Champaign after storm damage — and we’re just a phone call away.
Most homeowners insurance covers:
However, flood and earthquake damage typically aren’t included unless you have a separate policy. Check your policy carefully or speak with your agent to confirm what’s covered.
Knowing what to expect will help you avoid delays or surprises during the claim process.
After you file a storm damage claim, your insurance company will assign an adjuster. They’ll inspect your property, review your documentation, and provide an estimate for repair costs. Depending on your coverage, you’ll receive either a payment or direct approval for the work.
Respond promptly if the adjuster requests more information — staying engaged helps move the storm damage claim process along.
At C-U Under Construction, we work directly with you and your insurance provider to guide you through the restoration process. If you have questions or need support with your next steps, we’re here to help.
In most cases, storm damage repairs aren’t tax-deductible. The one exception is if the damage occurred during a federally declared disaster. Then, you can claim a casualty loss on your return.
This depends on the year, your location, and whether insurance covers the full amount. A tax professional can help determine if your situation qualifies.
Storm damage can feel like a lot — but you don’t have to handle it alone. Start with safety, document the damage, and talk to your insurance company. When you’re ready for repairs, choose a contractor you can trust.
C-U Under Construction proudly serves Champaign and nearby areas with full-service storm restoration. We’re here to help make things right, from emergency repairs to complete rebuilds.
Roofing License: #104-017664
Plumbing License: #055-043406
