500+
Storm Claims Managed
98%
Success Rate
$10M+
Recovered for Clients
Free
Initial Assessment
Common Storm Claim Problems We Fix
Insurance companies use their own assessors who are incentivised to minimise payouts. After a storm event, this regularly results in homeowners receiving far less than they're entitled to. ClaimGuard's storm damage claim advocates identify these tactics and fight back.
- Insurer undervaluing the scope of roof and structural damage
- Hail damage dismissed as 'cosmetic' rather than functional
- Lightning strike damage incorrectly attributed to wear and tear
- Fence, shed and outbuilding damage excluded from assessment
- Water ingress following storm not linked to storm event
- Delays in insurer response leaving home exposed to further damage
How ClaimGuard Handles Your Storm Claim
Free Assessment
We review your storm damage, policy, and insurer's position at no cost.
Independent Inspection
Our assessors document all damage — including what the insurer's team missed.
Dispute & Negotiate
We challenge underestimates and negotiate directly with your insurer for the full settlement.
Repair Oversight
We manage the repairs so every item is completed to the correct scope and standard.
Storm Damage Claim FAQs
How long do I have to lodge a storm damage claim?
Most policies require you to lodge 'as soon as reasonably possible' — typically within 30 days. However, always check your PDS. Contact ClaimGuard immediately and we can advise on your specific policy and timeframes.
The insurer says my roof damage is wear and tear, not storm damage — what can I do?
This is one of the most common tactics used to deny or reduce storm claims. ClaimGuard's independent assessors can produce an expert report demonstrating the storm causation of your damage, which we then use to challenge the insurer's position.
Can I get a cash settlement instead of the insurer managing repairs?
Yes, in many cases you can elect a cash settlement. Our storm damage claim consultants can negotiate the cash settlement amount to ensure it reflects the true cost of restoring your property.
My insurer is using their own builder — do I have a choice?
You often have rights around builder selection. ClaimGuard can advise on your policy entitlements and, if the insurer's builder is used, we can provide independent project management to ensure all work is completed to scope and standard.