What To Do After a Monsoon Storm
The hours after a monsoon storm matter. Here's a clear, calm guide to protecting your family, your home, and your insurance claim.
Monsoon storms can do a lot of damage in a very short time, and it's normal to feel unsure about what to do next. The most important thing is to stay safe and avoid making decisions that could hurt your claim later. This guide walks you through the right steps in order.
First: safety, then documentation
After the storm, in order:
- Confirm everyone is safe and watch for downed lines and standing water
- Photograph and video everything before you clean up or repair
- Stop further damage safely — tarp the roof, move belongings, etc.
- Keep all receipts for emergency expenses and temporary lodging
- Don't discard damaged items until they've been documented
- Be wary of high-pressure storm-chasing contractors
- Have the damage inspected by someone who works for you, not the insurer
- File your claim promptly and keep records of all communication
Storm damage worsens with every following storm. Documenting it promptly — before the next monsoon cell rolls through — protects both your home and your claim. Our inspection is free.
What To Do After a Monsoon Storm questions
Should I call my insurance company or a public adjuster first?
Many homeowners find it helpful to have the damage independently documented first, so the claim is complete and accurate from the start. Our inspection is free, and we're glad to help you understand your options before you file.
What if water got into my walls or ceiling during the storm?
Wind-driven water intrusion is common in monsoons and is usually covered. The damage often extends beyond what's visible, so it's important to document it thoroughly and begin proper drying quickly to prevent mold.
Related claim types
Monsoon damage? Get a free inspection.
Before you accept an insurance decision, get a clear, professional read on your claim from an Arizona public adjuster — at no cost to you.