As the policy holder, the amount of your settlement will depend upon your ability to skillfully initiate, prepare and negotiate your claim. Suffering a serious property loss requires immediate action. When possible, it is important to initiate the claim within the first 48 hours of the event. Storm events involve a number of potential causes. In addition to notifying FEMA, you should either: notify each insurance company for which you pay a premium, or speak to an experienced attorney who can specifically tell you which/all insurance companies to notify. Storm Help Team is here to help. When you file your claim, ask for your claim number and write it down. This will make it easier for them to locate information about your claim in the future.