Storm Restoration: What to Do After Your Home Is Affected

Ensure Personal and Family Safety

The moments after a storm can present hidden dangers. Downed power lines, damaged roofs, broken windows, and unstable structures can make re-entering your home risky. Before stepping inside, check for hazards such as sagging ceilings, leaning walls, or exposed electrical wiring. Do not turn on lights or appliances until you’re certain the electrical system is safe, as moisture intrusion can cause shorts or sparks.

Avoid Contaminated Floodwater

If flooding occurred, avoid contact with standing water, which may contain bacteria, sewage, or hazardous chemicals. Floodwaters can also conceal sharp objects or structural instability. Professional teams use protective equipment and specialized pumps to safely remove water before inspections begin.

Shut Off Utilities When Needed

If you smell gas, hear hissing, or see damaged utility lines, shut off systems immediately if safe to do so. Gas leaks and electrical malfunctions are two of the most common hazards following severe storms. Contact utility companies for emergency assistance rather than attempting repairs independently. This precaution helps prevent fires, explosions, or electrical injuries.

Contact Your Insurance Provider Promptly

Once immediate safety concerns are resolved, notify your insurance company as soon as possible. Most policies require timely reporting of storm-related damage. Provide them with initial details, including the date of the storm, the extent of damage, and any emergency repairs you performed to protect the home.

Understand Your Coverage

Insurance policies vary significantly. Some cover wind damage but exclude flooding or require additional endorsements. Review your policy to understand your deductibles, coverage limits, and required documentation. This knowledge helps set realistic expectations and prepares you for conversations with adjusters.

Work With an Adjuster Professionally

An insurance adjuster will visit your property to evaluate the damage. Be present during this inspection to ensure all areas of concern are acknowledged. Provide organized photos, videos, and notes. If additional damage is discovered after the initial adjuster visit—common with hidden moisture issues—notify your insurer promptly.

Temporary Repairs and Mitigation

Insurance companies often expect homeowners to take reasonable steps to prevent further damage. This may include tarping the roof, boarding up windows, or removing wet materials. Keep receipts and records for any temporary repairs, as these costs are commonly reimbursable under standard policies.

Strengthen Roofing Systems

Reinforced roofing materials, impact-resistant shingles, and securely fastened underlayment can significantly reduce future storm damage. Proper attic ventilation also helps regulate moisture levels and prevent heat buildup, both of which can weaken roofing structures over time.

Upgrade Windows and Doors

Installing storm-rated windows and reinforced doors protects against high winds and flying debris. Window film, upgraded locking mechanisms, and impact-resistant glass offer additional security. Homes in storm-prone regions benefit greatly from these protection measures.

Improve Drainage and Grading

Poor drainage increases flooding risk during heavy storms. Ensure gutters are clear, downspouts extend away from the foundation, and the property is properly graded. Adding French drains or sump pumps provides additional safeguards against water intrusion.

Invest in Regular Maintenance

Routine maintenance such as tree trimming, roof inspections, and gutter cleaning reduces vulnerability during storms. Preventive measures help identify weak points before severe weather strikes, minimizing potential damage.