What Should You Do Right After a Severe Storm?

Wait until authorities declare it safe to return after a severe storm. Approach your property cautiously, checking for downed power lines, gas leaks, or structural damage from the outside. Do not enter if you smell gas, hear hissing, or see significant sagging in the roof or walls. Your personal safety is more important than inspecting property damage immediately.

If you must enter, wear sturdy shoes, gloves, and protective clothing. Use a flashlight, not candles, to avoid ignition sources. Be aware that floodwater can hide sharp debris, holes in flooring, or even wildlife. Turn off the main electrical power at the breaker panel if you can do so safely from a dry location before stepping into any standing water.

Thorough documentation is crucial for any insurance claim. Take clear, time-stamped photos and videos of all damage, including water levels, damaged possessions, and the exterior of your home. Make a written list of damaged items, noting brands, models, and approximate purchase dates if possible. Do not throw anything away until an insurance adjuster has seen it.

Contact your insurance company to start the claims process. Be ready to provide your policy number and the documentation you gathered. Policies vary, and your insurer decides what is covered. Keep a detailed log of all calls with your insurer, including dates, times, and the names of representatives you speak with for future reference.

• Photograph standing water levels and any visible mold.
• Record serial numbers on damaged electronics and appliances.
• Save receipts for any temporary repairs or supplies you buy.
• Note the date and time the damage was first discovered.
• Photograph structural damage to walls, ceilings, and flooring.
• Keep damaged items in a safe place for the adjuster to inspect.

Storm damage often requires multiple trades. A qualified electrician should check your system before fully restoring power if any wiring was submerged. A plumber fixes broken pipes, and a roofer addresses storm damage to your roof. For water saturation in building materials and contents, contact water damage restoration professionals to prevent secondary damage.

The pros have the tools to detect moisture you cannot see inside walls and under floors. They follow industry standards for drying structures completely. Getting a professional assessment early helps you understand the full scope of work needed and supports your insurance claim with a detailed report of the damage.