Hurricane Response Plan: What to Do After the Storm
James Rode
The storm is over, now what? Once it is safe to return to your home or business, it is important to keep you and your family safe while cleaning up and assessing the damage to your property. Follow these tips to help you navigate the process.
How to Stay Safe After a Hurricane
Recovering from a hurricane disaster is often a gradual process. Safety is a primary concern.
Never underestimate the power of moving waters. Always follow warnings about flooded streets and do not drive in flooded areas. If you’ve been in floodwater, wash your hands with soap and water as floodwater can be harmful to your health.
Stay away from downed power lines.
If your home or business has no power, it is safer to use flashlights instead of candles.
Turn off the power at the main electrical breaker and wait for an electrician to inspect it.
Be aware of the causes of carbon monoxide poisoning. Use portable gasoline equipment and camp stoves outside, not in your house.
Damaged homes and buildings can be hazardous. If you hear shifting or unusual noises, leave the building.
Listen to local officials regarding water precautions in your area. Do not drink or use tap water that is suspected to be contaminated.
Check refrigerated and frozen food for spoilage. If in doubt, take photographs and throw it out.
How to Clean Up After a Hurricane
Clean up starts with assessing the damage to the exterior and interior of your property and checking for water damage. Notify your insurance carrier immediately to begin filing your claim.
Wear protective clothing and be cautious when cleaning up to avoid injury.
Water damage is a big concern so start the drying out process. Consider contacting a qualified restoration vendor to assist with this process.
Keep the property well ventilated to help remove moisture and humidity. Immediately remove or air out water damaged items. It is critical to minimize the chance of mold growing.
Document and photograph all damage to the property and your personal items to assist with the insurance claims process. Make an inventory of missing and damaged items.
Do not throw away damaged items until authorized by your insurance company.
Safely store your valuables to avoid theft.
Keep records of your expenses from temporary repairs to protect your property from further damage while you wait for your insurance company to review the damage.
Contact your insurance company to discuss temporary accommodations if you think your house is unsafe to live in.
Handling an insurance claim after a major property damage event such as a hurricane can be an overwhelming and complicated process. Consider engaging a licensed public insurance adjuster to work on your behalf, compile your claim, and negotiate an equitable settlement with your insurance carrier’s representatives.