Natural Disaster Recovery Plan
Once the disaster has passed, the danger is not necessarily over. Survey your property for hazards and remedy them right away. Then you can assess the damage to your property in order to initiate the rebuilding process.
Here is What You Need to Do:
- Make sure everyone is safe. Stay tuned to the radio or television until an official "all clear" is given. If you were evacuated, return home only after authorities advise it is safe to do so.
- Look for broken glass and sharp objects and avoid downed power lines. Never touch anything in contact with power lines, including water or puddles that may be near the downed lines.
- Have a qualified individual check for gas leaks or electrical system damage. Report those problems to the utility companies right away.
- Protect your property from further damage. Arrange for reasonable temporary repairs. Board up broken windows to protect against vandalism or additional weather damage. Take photos of the damage and save all bills and materials receipts. (Do not make permanent repairs until the insurance adjuster has reviewed the damage.)
- Throw out questionable food. Discard any food that has come in contact with contaminants, such as flood water or smoke. If the power is out, make sure to leave the freezer and refrigerator closed to keep food cold for as long as possible.
- Report your claim immediately. The sooner you call your insurance carrier, the sooner they can help. Be sure to speak to a claim professional before hiring a contractor to make permanent repairs. When choosing a contractor, select one who is licensed.
- Refuel portable generators with caution. Turn off the generator and let it cool down before refueling. Fuel spilled on hot engine parts could ignite.