After the storm: What to do if your home is damaged in Estonia

As Estonia grapples with the aftermath of a severe weekend storm, numerous residents are facing property damage ranging from fallen trees and damaged roofs to flooded basements. In response, the insurance company If Kindlustus is reminding policyholders of the essential steps to take to expedite the claims process.

If Kindlustus emphasizes that the immediate priority after any storm-related damage is ensuring safety. If there is any risk of water or electrical hazards within a building, individuals should not enter the premises until the danger has been neutralized.

Following safety checks, the company strongly advises documenting the damage thoroughly. This includes taking clear photos and videos of the affected property, items, and the overall situation. This visual evidence is critical for the accurate assessment of the extent of the damage. If it is safe to do so, policyholders should also take measures to limit further damage, such as temporarily covering roof breaches or removing water from flooded areas.

Crucially, individuals should refrain from discarding damaged items immediately, as they may be required for the insurance adjuster's assessment. All related bills and documents must also be preserved. To initiate the claims process, policyholders should notify the insurance company as soon as possible, ideally through their online portal or mobile app, providing as much information and visual material as possible to facilitate a swift investigation.