What to Do Immediately After Storm Damage

1. Put safety ahead of everything else

Before you think about photos, repairs, or calling the insurance company, make sure everyone in the home is safe.

• Stay away from downed power lines and standing water that may be electrified.
• Do not re-enter a heavily damaged structure until it has been checked for structural issues.
• Turn off electricity and gas if you smell gas, see sparks, or suspect a leak.

2. Document the scene before you clean up

Insurance companies rely heavily on what can be seen and proven. Detailed photos and video help show the full extent of the damage before anything is moved.

• Take wide photos of each affected room and outside elevation.
• Get close-up photos of roof damage, broken windows, water lines on walls, and damaged belongings.
• Take short videos walking through the property, speaking out loud about what you are seeing.

3. Protect the property from further damage

Your policy usually requires you to prevent additional damage when it is safe to do so. This does not mean making full repairs; it means temporary steps.

• Tarp roof openings to keep more water from entering.
• Board or tape off broken windows and doors.
• Move undamaged items away from leaks or standing water.

4. Start a claim file from day one

Create a folder or digital file dedicated to this claim so nothing gets lost.

• Save every photo, video, and estimate in one place.
• Write down dates, times, and the names of anyone you speak with at the insurance company.
• Keep receipts for tarps, plywood, hotel stays, and any emergency services.

5. Consider professional help early

Storm claims in Florida can be complex. If you feel overwhelmed, unsure, or sense the insurance company is minimizing your loss, a licensed public adjuster can step in and take over the process on your behalf.