Note: (If you have insurance, contact your insurance agent to file a claim)
Make sure to document all your damages – before you clean up, take photos and make a list.
Save all your receipts for post-damage repair and clean up.
If you have insurance and damages, you must file a claim with your insurance company.
Key: Degree of Damages
Affected: There is minimal cosmetic damage to the exterior and/or interior. No damage affecting habitability and/or function. Minimal damage to crops or livestock.
Minor: There is a wide range of damage that does not affect structural integrity but could affect habitability. Nonstructural components (i.e. windows, doors, ductwork, utility hookup, HVAC). Minimal repairs are required. Crops were damaged but not destroyed. Minor injuries to livestock may have occurred, but zero deaths.
Major: Significant damage that requires extensive repairs. Structural damage has occurred (Displaced from the foundation, block, or piers). Fifty percent or more of nonstructural components (e.g., roof, shingles, drywall, and utility hookups) have sustained significant damage. Crops were damaged and/or destroyed. Livestock was injured or killed.
Destroyed: Total loss. The structure’s frame is bent, twisted, or otherwise compromised. Most structural framing of the rook or walls has been compromised, exposing the interior.
