Temporary Repairs: What You Should Do Right Away

Your insurance policy requires you to take reasonable steps to protect your property from further damage after a loss. Temporary repairs are not optional; they are part of your responsibility as a policyholder.

• Tarping a damaged roof to prevent rain from entering the home
• Boarding up broken windows and doors with plywood
• Drying out standing water with pumps, wet vacuums, or dehumidifiers
• Shutting off water or gas to prevent further damage or safety hazards
• Moving furniture and valuables away from leaking areas
• Hiring a professional restoration company for water extraction if needed

Permanent Repairs: Wait for the Adjuster

Permanent repairs should not begin until the adjuster has completed their inspection and you have a settlement agreement in writing. If you start permanent repairs too early, the insurance company may deny coverage because they could not verify the damage.

• Do not replace roofing or siding until the adjuster has seen the damage
• Do not drywall or paint water-damaged interiors until the source is repaired
• Do not discard damaged property until the adjuster has documented it
• Do not sign a repair contract with a contractor until the settlement is approved
• If the damage is severe and you cannot safely live in the home, ask about loss of use coverage for temporary housing

Document Everything Before and During Repairs

Documentation is your best friend in the claims process. Take photos and videos before you start any temporary repairs, as you work, and after the work is complete. This creates a chain of evidence that supports your claim.

• Take photos from multiple angles of every damaged area before touching anything
• Record video walkthroughs describing the damage verbally
• Save all receipts for materials, supplies, and contractor work
• Keep a written log of dates, times, and who you spoke with at the insurance company
• Photograph temporary repairs after completion to show you protected the property

Temporary repair costs are typically covered by your insurance policy as part of the claim. Your insurance company will reimburse reasonable expenses for materials and labor used to prevent further damage. But you need documentation to get paid.