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Who Pays for Emergency Board-Up After Storm Damage?

Last updated October 26, 2026

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The short answer

Check Your Policy First

Start by reading your homeowners or renters insurance policy. Look for coverage related to storm damage and emergency protective measures. Many policies include board-up as part of the loss settlement, but conditions vary. Policies vary, and your insurer decides what is covered.

If you are unsure, contact your insurance company directly. Ask whether emergency board-up is covered and what documentation they need. Keep a record of the call, including the date and the name of the person you spoke with. This helps if questions come up later.

  • Take photos of the damage before any board-up work begins
  • Keep receipts for any materials or labor you pay for
  • Save all emails or letters from your insurance company
  • Note the date and time the storm hit your property
  • List any items damaged by rain or wind after the break

Your Responsibility as Homeowner

As a homeowner, you are responsible for protecting your property from further damage after a storm. This means you may need to arrange board-up quickly, even before your insurer responds. Acting fast prevents more water from entering and reduces the overall damage.

You can hire a local professional to board up windows or doors. The cost often depends on the number of openings, the type of materials, and the height of the damage. Get a written estimate before work starts, and ask for a receipt once it is done.

If You Rent Your Home

Renters usually do not own the building structure, so the landlord or property owner handles repairs like board-up. However, your personal belongings inside are your responsibility. Your renters insurance may cover damage to your items if the storm caused the break.

Contact your landlord immediately after the storm to report the damage. They may have their own arrangements for emergency work. At the same time, document your own losses with photos and a list of damaged possessions. This supports any claim you file.

The Cost of Board-Up

Emergency board-up costs vary widely. Factors include how many windows need covering, the type of plywood or other materials used, and whether the job requires ladders or special equipment. In many cases, the price reflects the urgency and the labor involved.

You may pay out of pocket first and then seek reimbursement from your insurer. Keep every receipt and note the time spent if you do the work yourself. Some policies cover reasonable emergency expenses, but you need proof to show what you spent and why.

  • Plywood is a common material for temporary board-up
  • Larger windows or doors may cost more to cover
  • Labor rates can vary by location and time of day
  • If you do it yourself, count your hours and materials
  • Ask for a detailed invoice if you hire a professional

Document Everything for Claims

Good documentation makes a claim easier. Take clear photos of the storm damage before any board-up is installed. After the board-up is in place, take more photos showing the completed work. Write down the date and time of the storm and when you secured the property.

Keep a simple log of every step you take, from calling your insurer to paying for materials. This record helps your insurance company understand the situation. Store this information in a safe place, like a waterproof folder, so it survives any further weather issues.

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Frequently asked questions

What if my insurance does not cover board-up?

If your policy excludes emergency board-up, you may have to pay for it yourself. However, some policies treat it as part of the overall claim, so check carefully. If you are unsure, ask your insurer for a written explanation of what is and is not covered.

Can I board up my own windows to save money?

Yes, you can do the work yourself if you have the tools and materials. Measure the openings carefully and use sturdy plywood. Save receipts for the wood and screws. Your insurer may reimburse reasonable costs, but you need to document the time and materials.

Should I wait for my landlord or insurer before boarding up?

No, act quickly to prevent more damage. Waiting can worsen the situation and lead to higher repair costs. Secure the property as soon as it is safe, then notify your landlord or insurer. In most cases, emergency measures are expected and may be covered.

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