Do not re-enter the property until fire officials or emergency services declare it safe.
Watch for hazards such as structural damage, electrical risks, gas leaks, or contaminated water.
Wear protective gear (boots, gloves, masks) when inspecting or entering damaged areas.
Notify your homeowners or flood insurance provider as soon as possible.
Request a claims adjuster and get your claim number.
Ask what’s covered and what your next steps should be.
Find a safe place to stay (e.g., with family, friends, or through insurance coverage).
Check with local disaster relief agencies (e.g., Red Cross, FEMA) for assistance.
Engage a licensed fire restoration company to clean soot, smoke damage, and water.
Avoid DIY cleanup due to health risks from soot or chemicals.
Board up windows, doors, or holes to prevent theft or further damage.
Cover damaged areas (e.g., roof) with tarps to protect from weather.
Remove undamaged valuables to a safe location, if permitted.
Begin drying wet items (e.g., from firefighting efforts) to prevent mold.
Make temporary repairs to prevent further harm (e.g., board up broken windows, place tarps on roofs).
Keep all receipts for any emergency repairs, lodging, or replacement items.
Don’t throw anything away until the adjuster has documented it.
Take photos and videos of all damage before starting any cleanup or repairs.
Capture every room, including walls, ceilings, floors, appliances, furniture, and personal items.
Document outside damage to siding, roof, landscaping, fences, or vehicles.
Submit your home inventory and any receipts, warranties, or proof of ownership.
Work with your adjuster to itemize losses and damages.
Ask about advance payments for immediate needs (some insurers offer this).
Hire professionals if needed, especially for smoke, mold, or contaminated water cleanup.
Avoid electrical appliances and utilities until they’ve been inspected.
Be cautious of mold growth after flooding—document and report it to your insurer.
Preserve emotional well-being—a disaster can be traumatic. Counseling, community support groups, or your
local church can help.
Utilize Family and Friends for support
Maintain a log of communications with your insurance company (dates, times, who you spoke with).
Save all emails, claim documents, estimates, and repair invoices.
Create a folder (physical or digital) to stay organized.
Obtain multiple contractor bids for major repairs.
Make sure contractors are licensed, insured, and experienced in disaster restoration.
Don’t rush into agreements—be cautious of price gouging or scam contractors.
Once repairs are done, review your insurance policy and update it if needed.
Consider upgrades or protective features (e.g., sump pump, fire-resistant materials).
Reflect on how to better prepare for future emergencies.