Storm Damage Restoration for Landlords: What to Do After Severe Weather Hits

Storms can strike without warning—bringing wind, rain, hail, and debris that damage rental properties and disrupt tenant occupancy. For landlords, knowing what to do after storm damage is critical to minimize costs, restore habitability, and ensure your insurance claim goes smoothly.

If you haven’t reviewed your policy lately, make sure you’re covered by visiting our guide to storm and hail damage coverage.

Here’s a step-by-step guide for landlords dealing with storm damage restoration—from documentation and repairs to insurance and tenant communication.

Inspect the Property Safely and Quickly

• Begin with a safety check. Look for fallen power lines, broken glass, structural instability, or gas leaks.
• Notify tenants about hazards and remind them not to re-enter until it’s safe.
• If you’re managing a single family home, inspect detached structures like garages or fences as well.
• Take photos and videos of all visible damage—especially to the roof, windows, siding, and any signs of water intrusion.
  

Contact Your Insurance Company and File a Claim

• Report the loss to your insurer immediately. Most landlord policies cover wind, hail, and water intrusion from storms, but limits vary.
• If you’re with Steadily, your policy likely includes coverage for storm restoration and temporary loss of rental income.
• Ask if your policy includes reimbursement for tree removal, window board-ups, or emergency tarping services.
• Keep receipts for all expenses and work with licensed contractors for repair estimates.
  

Hire a Licensed Storm Damage Restoration Contractor

• Use a vetted contractor who specializes in storm damage repair—not just general handyman services.
• Prioritize critical repairs: roof damage, siding, electrical issues, and window replacements.
• For hail damage, ensure your roofer documents granule loss, dented flashing, and any compromised shingles.
  

Document Everything for Insurance Purposes

• Keep a running log of storm-related events, tenant communications, and repair updates.
• Take “before and after” photos of restoration work.
• If you’re unsure about the full extent of coverage, ask your insurer for a “replacement cost estimator” to understand your dwelling limit and what you’re entitled to.
  

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Communicate With Tenants Throughout the Process

• Let tenants know which repairs are happening and when. Transparency helps prevent complaints and potential claims of emotional distress.
• If the property becomes uninhabitable, issue a notice to vacate and coordinate temporary housing or lease adjustments.
  

Prevent Future Storm Damage With Proactive Measures

• Trim overhanging trees and remove dead branches that could become flying debris.
• Inspect roofs annually for vulnerable areas, especially if your property is in hail-prone states like Texas, Oklahoma, or Colorado.
• Install surge protectors or lightning rods to minimize electrical damage from severe weather.
  

Bottom Line: Restore Quickly, Document Thoroughly, and Stay Protected

Storm damage can derail your rental income if you’re not prepared. By taking swift action and knowing what your landlord policy covers, you can reduce losses and protect your long-term investment.

Need to make sure you’re covered before the next storm hits? Get a quote from Steadily in minutes.