Most policies required prompt notice of the March damage, and that first window has, in most cases, passed. Newly found damage should be reported at once, with when-and-how-found written down.
Scope gaps, damage found during repairs, and hail that surfaces at the first re-roofing bid can often still be pursued through the policy's supplemental path — frequent after a high-end wind event.
Policies set their own windows for filing suit over a claim dispute. There is no single deadline for this event — the window varies by policy; review promptly.
Indiana issued a state disaster declaration on March 12, 2026 for Jasper, Newton, and Starke counties and opened the State Disaster Relief Fund for individual assistance there — a program for uninsured and underinsured losses that cannot pay insurance deductibles. No federal declaration was made for this event. Declaration status affects government programs, not the insurance contract — policy rights are unchanged either way.
