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What Should I Do Immediately After Storm Damage?

Last updated October 25, 2026

The short answer

Prioritize Safety and Check Utilities

Your first step should be to check on everyone's safety and secure your property. Do not enter rooms with standing water if electricity is present, as this poses a severe shock risk. If you see downed power lines, stay far away and report them to the utility company immediately.

If it is safe to do so, turn off the main electrical power and water supply to your home. This can prevent electrical fires or additional flooding from broken pipes. However, only attempt this if you can reach the shutoffs without walking through water or near damaged structures.

Contact Your Insurance Company

Notify your insurance company about the storm damage as soon as possible. This starts your claim process and allows them to provide specific instructions. Have your policy number ready and be prepared to give a general description of the damage over the phone.

Ask your agent about the next steps for documenting the loss. Policies vary, and your insurer decides what is covered. They will explain your deductible and may recommend specific service providers, but you can choose who to hire.

Document All Damage Thoroughly

Take clear, extensive photographs and videos of all damaged areas, inside and out. Capture water lines on walls, soaked belongings, and any structural issues like missing shingles or broken windows. This visual proof is crucial for your insurance claim and for the pros who will assess the damage.

Create a written list of damaged or destroyed items, including their approximate age and value if you know it. Do not throw anything away until an insurance adjuster or a professional has seen it, unless it poses a health hazard. This documentation supports your claim for personal property loss.

  • Take wide shots of each room to show the overall damage.
  • Take close-up photos of specific water stains, cracks, or ruined items.
  • Photograph the source of the water intrusion, if visible and safe.
  • Document any mold growth as it can appear quickly in a humid climate.
  • Keep all receipts for temporary repairs or emergency supplies.
  • Email photos to yourself to create a dated, cloud-based record.

Mitigate Further Damage If Safe

If you can safely access the area, you can perform temporary measures to prevent more water from entering. This might include placing a tarp over a damaged roof or boarding up a broken window. Move undamaged furniture and rugs away from wet areas to protect them.

You can also remove excess water by mopping or using a wet-dry vacuum. However, large-scale water extraction and drying require industrial equipment. The goal is to stabilize the situation until help comes, not to complete the cleanup yourself.

Call for Professional Water Damage Help

Storm damage often involves contaminated water and hidden moisture in walls and floors. Local water damage pros have the tools and training to properly dry your home and prevent mold. They can also assess structural safety, which is critical after severe storms.

The professionals will create a detailed drying plan and monitor moisture levels. They can also handle the complex cleanup of storm water, which may contain sewage or chemicals. In a humid subtropical climate, thorough drying is essential to avoid secondary mold damage.

  • Pros use moisture meters and thermal cameras to find hidden water.
  • They set up industrial air movers and dehumidifiers to dry the structure.
  • They can safely remove contaminated water and disinfect surfaces.
  • They evaluate structural elements like drywall, insulation, and flooring.
  • They can provide detailed reports and photos for your insurance claim.
  • The pros help coordinate necessary repairs after the drying is complete.

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Frequently asked questions

Should I try to clean up the water myself?

You can remove small amounts of surface water if it is safe. For any significant flooding, hidden moisture, or contaminated water, professional extraction and drying is necessary. Incomplete drying leads to mold and structural rot.

How long do I have to file an insurance claim?

Most policies require you to report damage promptly, often within a few days. Check your specific policy for deadlines. Delaying your report could complicate your claim, so contact your insurer as soon as you are safe.

What if I see mold starting to grow?

Mold can begin growing within 24 to 48 hours in damp conditions. Do not disturb it, as spores can spread. Inform the water damage pros and your insurance company. A mold professional may be needed for assessment and remediation.

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