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Storm & Catastrophe Damage Claims

Mother Nature can be unpredictable. In times of adversity, our protection brings much-needed stability. When severe weather causes serious damage, the American Family Insurance Catastrophe Claims Team will do whatever it takes to help you weather the storm and restore your dreams.

Need to file a claim? Text STORM to AMFAM (26326), use the claims feature on our MyAmFam app, or call our Claims Customer Care Center at 1-800-MYAMFAM (1-800-692-6326).

Types of Storm Damage Claims

Whether it’s earth, wind, ice or fire — American Family Insurance is ready to respond. Your agent can help you take a closer look at what’s covered in your homeowners-related coverage guidelines:


While flood damage isn’t covered in American Family homeowners policies, your agent can help you find the answers you need through the National Flood Insurance Program where you’ll be able to purchase a separate policy.

Wind Storms & Tornadoes

Most homeowners insurance policies cover damage caused by tornadoes or high winds. If you have comprehensive coverage in your auto insurance policy it usually pays for tornado and wind damage to your vehicle, too.


Wildfire damage is typically covered by American Family homeowners insurance — as well as any damage caused by water and slurry that's used by firefighters attempting to extinguish the fire.

Ice Storms

American Family auto and homeowners policies generally provide coverage for sudden and accidental damage caused by sleet or freezing rain.

Hail Damage

American Family homeowners insurance usually covers damage caused by hail. If you have comprehensive coverage in your auto insurance policy it typically pays for any hail damage to your vehicle, too.


A basic homeowners policy does not pay for earthquake damage, but earthquake coverage is available as an add-on to your policy.

What Happens After I File a Storm Damage Claim?

After you file a storm insurance claim, a property representative will be in contact to review damages, gather information, and ensure your understanding of the claim to keep your life moving forward.


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Water Damage Cleanup

Home water damage can be stressful, but American Family Insurance is here to help. Learn how our water damage cleanup service can help get your life back on track in no time.

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Does Insurance Cover Rain and Flood Damage?

How does your home coverage protect against rain and flood damage? Learn more about flood insurance coverage with American Family.

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Does Home Insurance Cover Wind and Storm Damage?

Weather can be unpredictable, but your insurance policy shouldn't be. Learn what types of storm damage homeowners covers and protect your home today.