Back to top

What To Do After A Disaster.

Dealing with the aftermath of a severe weather event can be an emotional time. Putting your life back in order is likely your top priority. Allstate can help you get back to normal as quickly as possible. Explore information that can help you better understand the catastrophe claims process and what you can do after a disaster.

Immediately Following A Disaster

If a severe weather event happens in your area, the following steps can help you stay safe and quickly start the claims process:

  • First and foremost, secure the safety of your family.
  • Do not enter your home unless you’re sure it’s safe. Depending on the type of disaster, there may be exposed electrical wires, standing water or a natural gas leak. If you have any concerns about the structural or environmental safety of your home, do not enter.
  • To begin the claims process, you can start your claim online or through the Allstate® Mobile app. You can also contact your agent or call 1-800-54-STORM for assistance.
  • If you purchased a policy with another company through an Allstate agent, you should contact your Allstate agent for assistance.
  • When reporting your claim, have your policy number handy and be prepared to provide your contact information so your adjuster can reach you throughout the claim process. It's important that you provide all your phone numbers, even if they are temporary.

After Filing A Claim

Once you’ve started the claims process, you’re one step closer to putting your life back together. The tips below can help you understand the next steps in the claims process and help you protect yourself and your family.

  • Take account of your loss and separate the damaged from the undamaged personal property. Please note that if it is unsafe to keep any damaged personal items, try to take photos of them for your adjuster to review as part of your claim, then properly discard them.
  • If available, provide your adjuster with photos or video recordings of your property or its contents prior to the event. This will assist your adjuster with the damage evaluation process. The Digital Locker app can help you do this.
  • If necessary, have a qualified repair service or contractor make temporary repairs to prevent additional loss. Be sure to obtain a bill or invoice for this service so you can present it to your adjuster for consideration of reimbursement.
  • If bills were lost or destroyed due to the damage, contact your creditors to establish a workable solution. Discuss payment issues with them directly; creditors usually appreciate forthrightness.
  • If your home is uninhabitable from a covered loss, your policy may provide coverage for additional living expenses. Check your policy or speak with your adjuster to determine if you have coverage for additional living expenses. Save all receipts to document your increase in living expenses while your home is uninhabitable, and be sure to give these to your adjuster for consideration in your claim.
  • Contact the utility companies to discontinue service if your home is uninhabitable or destroyed.

Getting Additional Financial Help

If you’re in need of additional financial assistance, you can investigate the availability of special loans and grants via the Federal Emergency Management Agency (FEMA), the U.S. Small Business Administration, the American Red Cross, local government agencies, private lenders and philanthropic organizations.

To apply for federal disaster aid, call 1-800-462-9029 (or 1-800-462-7585 for TDD). You can also visit the FEMA website. You’ll be required to provide your social security number, insurance information and the extent of the damage to your property. Be sure to obtain a control number that is assigned to your application.

More Resources To Help Guide You.

Get Ahead Of The Storm: Printable Hurricane Prep Guide

There’s more to prepping for hurricane season than you may realize. Use this hurricane prep guide to help keep you and your family protected.

See guide

Understanding Flood Insurance.

If you’ve experienced a flood, knowing what your policy covers is important to start the road to recovery. Get a better idea of what is covered.

Read the full story

ECC Monitor: OK