Winter Storm Damage? File Claims Immediately

Adjusters are overwhelmed as systems are stressed across the country.

Jan. 27, 2026 at 7:55pm

Got story updates? Submit your updates here. ›

As the cold continues following the winter storm, power outages are only one part of the issue. Trees are snapping and breaking under the weight of the ice and snow, making cars and homes more susceptible to damage. That means many people will soon have to deal with insurance companies to help cover the cost of badly needed repairs. If you have dealt with damage already, it's best to file a claim as soon as possible because adjusters are assigned on a first come, first serve basis.

Why it matters

Because the January 2026 winter storm has hit all over the country, systems are already stressed. Some inspections by adjusters are being delayed due to weather-related travel delays and a massive spike in claims over busted pipes, roof collapses and fallen trees.

The details

People should document every single piece of property damaged by the storm, making sure to take pictures and videos. If you safely can, go to a store for supplies and make reasonable repairs needed to prevent further damage, like covering broken windows or leaking roofs. Metro Water services is warning that as the city thaws out, more water main breaks are likely.

  • The January 2026 winter storm has hit all over the country.

The players

Metro Water Services

The water utility company warning of potential water main breaks as the city thaws out.

Got photos? Submit your photos here. ›

What’s next

To prevent damage, officials suggest moving your cars away from trees and continuing dripping your faucets.

The takeaway

With systems overwhelmed by the widespread winter storm damage, it's crucial for homeowners to file insurance claims as soon as possible to get adjusters assigned and start the repair process.