Natural Disasters

Climate change is causing increasingly frequent storms and extreme heatwaves in Lithuania. Damage from natural disasters can be financially covered through insurance payouts, which is why it’s important to keep your property insured year-round—strong winds and other risks can occur in any season. Make sure your insurance policy specifically includes natural disaster coverage. If you own solar panels or other special equipment, be sure to list them in your policy as well. Our team is ready to respond quickly and efficiently to restore damaged properties and infrastructure caused by natural disasters.

Frequently Asked Questions (FAQ) after a Natural Disaster

Can I repair the damage myself after a storm, or do I need specialists?

We don’t recommend repairing the damage yourself, especially if it involves the building’s structure, electrical systems, or the roof. Specialists ensure that the work is carried out safely, to a high standard, and in line with insurance company requirements.

What type of storm or hail damage is usually covered by insurance?

Insurance typically covers repairs to roofs, windows, walls, or other structural elements of a building. It can also cover damage to outdoor structures, provided they were included in your insurance policy.

How quickly should I notify my insurer after a natural disaster?

We recommend reporting the damage as soon as possible—ideally within 24–48 hours of the incident. Early reporting helps speed up the assessment and repair process, making the entire insurance claim smoother.

Can I document the damage myself?

Yes, it’s very useful to capture photos or videos of the damage as soon as possible. This evidence helps establish the extent of the loss and makes communication with insurance experts easier.

What if my car was damaged by falling tree branches or hail?

First, document the damage immediately and contact your insurance company. Comprehensive car insurance (CASCO) usually covers such cases, provided your policy is active.

When should I call specialists for a professional inspection of building structures?

Whenever you notice even minor issues after a storm—such as cracks, deformations, or loose structural parts. Small visible damage can sometimes hide more serious structural problems.

Who covers the costs if my home becomes uninhabitable after a natural disaster?

If you have the right property insurance, your insurer usually covers the costs of temporary housing or other alternative living arrangements while repairs are carried out.

Steps to Take after Disaster

Immediately report the emergency to the rescue services by calling 112.

Leave the site as it is.

Take photos of the damage if you can.

Immediately report the incident to your insurance company and to the experts at TuriuŽalą.lt. We will act quickly to prevent further damage and provide the necessary assistance.

Natural Disaster Damage Management Process

It all starts with a request

The affected property owner contacts their insurance company to obtain a claim number. Once received, the claim is registered through our self-service portal.

Damage assessment from photos

With your consent, we assess the damage based on your insurance policy.

Temporary housing and urgent assistance

If needed, we help arrange temporary housing. In urgent cases, we respond quickly to remove water or secure flooded electrical systems.

On-site damage assessment

Our team visits the property, inspects the damage, measures moisture levels, and takes photographs.

Material and color selection

Before restoration, we coordinate with you to choose the necessary materials and colors according to your preferences.

Drying the premises

We carry out professional dehumidification to prevent further damage and mold growth.

Inspection report

A formal inspection report is prepared and sent to the insurance company.

Preparation for repair work

We prepare cost estimates, coordinate them with you and your insurer, order materials, plan the work, and create schedules. If needed, we also protect or temporarily store belongings (items are photographed, and smaller items packed in boxes). If any disputes with the insurer arise regarding the loss amount, we represent and defend your interests.

Restoration Process

Restoration process

We begin the restoration work by dismantling the damaged areas, taking photos, and documenting all identified issues.

Completion

Once the restoration is finished, you review and confirm the quality of the work. After your approval, a completion report is signed and submitted to the insurance company.

Report a Claim

FAQ