Storm damage
Educational guidance, not emergency services. In danger, leave and call 911.
Wait until local authorities say conditions are safe before inspecting damage.
Protect people first
Stay away from downed lines, unstable trees, broken glass, damaged roofs, floodwater, and any smell of gas. Leave and call emergency services when safety is uncertain.
First steps
- Check people first: Account for everyone, address injuries, and follow evacuation or shelter instructions.
- Document from safety: Take photos and notes without climbing onto the roof or entering damaged areas.
- Prevent more damage: Make only safe temporary measures. Keep receipts and speak with your insurer before permanent repairs.
- Contact your insurer: Report significant damage promptly and ask about next steps, deductibles, temporary housing, and approved repairs.
After the immediate problem
- Keep all emergency-repair and lodging receipts
- Create a list of damaged belongings
- Verify contractors and avoid large upfront payments