After the Storm: First 48 Hours Checklist

Immediately After the Storm

Safety First

• Ensure everyone is safe
• Check for downed power lines
• Avoid standing water
• Watch for unstable structures

Prevent Further Damage

• Cover broken windows temporarily
• Place buckets under active leaks
• Move valuables away from water
• Turn off water if pipes are damaged

First 24 Hours

Document Everything

• Photograph all exterior damage
• Photograph all interior damage
• Take video walkthrough
• Note date, time, and weather conditions

Review Your Policy

• Locate your declarations page
• Note your deductible amounts
• Check coverage types
• Review claim filing deadlines

Contact Your Insurance Company

• Report the damage
• Get a claim number
• Note the adjuster's contact info
• Ask about emergency tarping coverage

24-48 Hours

Get Professional Inspection

• Schedule contractor inspection
• Get written assessment
• Request repair estimates
• Ask about temporary repairs

Emergency Repairs

• Arrange professional tarping if needed
• Keep all receipts
• Document repairs with photos
• Don't make permanent repairs yet

Prepare for Adjuster

• Organize your documentation
• List all damage areas
• Gather weather reports
• Be available for scheduling

What NOT to Do

• Don't sign contracts immediately
• Don't make permanent repairs before inspection
• Don't throw away damaged materials
• Don't accept lowball settlements
• Don't ignore filing deadlines

Key Takeaways

• Safety is the first priority
• Document everything immediately
• Contact your insurer within 24 hours
• Get professional help for inspections and tarping