What to Do if a Your Home Sustains Severe Damage

Tree fell on roof of house.

If a severe storm or a wildfire passed through your area and caused significant damage to your home, would you know what to do? Situations like these may require action on your part to mitigate further damage, but you're concerned that if you move anything, your insurance adjuster won't get an adequate picture of how the damage occurred.

Most insurance companies know that leaving things as they are until someone can get to you could make things worse, particularly if it's raining or snowing. If you're an AmShield customer, we want you to protect your property by making necessary and reasonably temporary repairs, and to keep records of the cost of those repairs. For instance, getting a tarp put on your roof or getting the tree out of your window might require professional assistance, and you have to get those things taken care of as soon as reasonably possible. Some things to keep in mind:

  • Before you have temporary repairs made, take pictures of the damage just as you found it. For example, before you remove a tree from a window or roof, take pictures (inside and outside, if possible).
  • Make sure your address is visible so emergency responders or claims adjusters can find it easily in case your house has been reduced to rubble.
  • Keep all your receipts for repairs and for additional living expenses if you have to stay in a hotel because your home has become unlivable. We'll use them to help calculate reimbursement.

After you've taken pictures and any additional steps needed to protect your property from further immediate damage, report your claim. Reporting your claim as soon as possible will help us schedule adjusters to assist you. You can file your claim by calling 1-844-AMSHIELD (844-267-4435).



The product information contained on this website is informational only and not a statement of contract. All coverage options are subject to the provisions of the policy purchased and details of the policyholder's situation. Not all products are available in all states. AmShield Insurance utilizes a wildfire evaluation tool from a reliable industry source. Scores and data are generated using sources and methods current as of the specific date of the inquiry and includes only the available data provided for the geographic location of the subject property. This score is solely used to determine eligibility of the property during the underwriting process and bears no impact on rating.