After a tornado damages your home, insurance paperwork can feel overwhelming. What you do in the first few days can shape how much compensation you receive under your policy. Clear, organized documentation helps show the full scope of your losses and supports a smoother claims process.
Start documenting damage right away
Begin documenting damage as soon as it is safe to return to your property. Take wide photos of each damaged area and close-up images that show specific problems like missing shingles, broken windows, water intrusion, and debris. Record video walk-throughs to capture damage that photos may miss, and keep original files so dates and metadata remain intact.
Preserve damaged property until inspection
Do not throw away damaged materials or personal property before the insurance company inspects them unless safety requires removal. Roofing materials, siding, furniture, and household items help show the extent and cause of loss. Preserving damaged property allows the insurer to verify your claim and reduces disputes over what was damaged.
Create a detailed inventory of losses
Prepare a written inventory of all damaged or destroyed items, organized by room. Include the item description, approximate age, and estimated purchase price when possible. Support the list with photos, receipts, credit card statements, or manuals, since Wisconsin policies often require proof of loss to support payment.
Save repair estimates and temporary expense records
Obtain written repair estimates from licensed contractors that clearly describe the work, materials, and labor required. Keep copies of all estimates and repair-related communications. If you cannot stay in your home, save hotel bills, food receipts, and transportation records to support reimbursement for additional living expenses.
Keep a claim communication log
Maintain a log of all claim-related communications with the insurance company. Record the date, time, representative name, and summary of each conversation, along with any promised follow-up. A detailed log can help identify delays and provides support if payment does not occur within required timeframes.
Store all claim materials in one organized system, both digitally and in paper form. Label photos, estimates, and correspondence clearly so you can respond quickly to requests. Strong organization helps reduce delays, supports accurate claim evaluation, and protects your right to fair compensation.