At Aspire Insurance Group, we know that storms can hit fast and leave behind questions, stress, and damage. That’s why we put together this comprehensive guide to help you feel prepared, protected, and supported every step of the way.
Whether you’re dealing with minor hail or a major loss that leaves your home unlivable, this resource walks you through what to do before, during, and after a storm—and why calling us first can make all the difference.
Before the Storm: Be Prepared
Spring and summer storm seasons bring unpredictable weather, but preparation can give you peace of mind and practical protection. Here’s how to stay ready:
1. Create a Tornado or Emergency Storm Plan
Designate a safe space in your home (preferably a basement or interior room without windows) and make sure everyone in your household knows the plan. 2. Build an Emergency Kit
Include water, non-perishable food, medications, flashlights, batteries, a weather radio, important documents, pet supplies, and phone chargers.
2. Build an Emergency Kit
Include water, non-perishable food, medications, flashlights, batteries, a weather radio, important documents, pet supplies, and phone chargers.➡️ Need help building a kit? Check out our Emergency Preparedness blog.
3. Review Your Insurance Coverage
Make sure your home policy includes wind/hail damage and check your deductible.
4. Create a Home Inventory
Photos, videos, and a simple list of your belongings can help speed up a future claim.
➡️ Here’s how to make one: Home Inventory blog.
5. Stay Informed
Download a trusted weather app and set up notifications. Understand the difference between a tornado watch and a warning.
During the Storm: Act Quickly and Safely
When the storm arrives, every second counts:
- Grab your emergency kit.
- Move to your designated safe area.
- Protect your head and neck with a mattress, helmet, or heavy blankets.
- Stay low, away from windows and exterior walls.
- Keep a weather app or NOAA radio nearby for live updates.
After the Storm: What to Do Next
If your home experiences damage, don’t panic. Follow these steps:
1. Ensure Safety
Only return to your home when it’s safe. Watch for downed power lines, gas leaks, or structural damage.
2. Contact Aspire Before Filing a Claim
This step is critical. Not every situation warrants a claim—and filing unnecessarily can affect your insurance record or premiums. We’ll help assess your situation and guide you on the best next steps.
Why does this matter?
- A claim stays on your record, even if there’s no payout.
- Multiple claims in a short period can raise your rates or even cause a cancellation.
- We can help determine if your damage exceeds your deductible.
3. Document the Damage
Take photos and videos before any cleanup or repairs begin.
4. Prevent Further Damage
If it’s safe to do so, tarp roofs or board windows. Keep receipts—many emergency repairs are reimbursable.
5. Understand Your Temporary Living Coverage
If your home is unlivable, your policy may include Additional Living Expenses (ALE) to help pay for hotel stays, meals, and necessities.
6. Keep Organized Records
Save receipts for temporary housing, food, clothing, and emergency expenses. Keep a log of who you speak with during the claims process.
You’re Not Alone
We hope you never need this guide, but if you do, know that Aspire is here to walk with you through every step of the storm recovery process.
Have questions or think you might need to file a claim? Contact us first:
📞 (651) 760-8369
📞 (715) 781-8217
📞 (218) 741-0000
📞 (608) 755-1027
📱 Text Line: (651) 273-1143
📧 Email: hi@aspireinsurancegroup.com
📅 Business Hours: Monday–Friday, 8:00 AM – 4:30 PM
Stay safe. Stay supported. And when in doubt—call Aspire first.