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What to do in the first 24 hours after a storm

What to do in the first 24 hours

A storm just came through. Here is how to take care of your home and your claim without panic.

Illustration: two neighbors checking on each other at a front-yard fence the morning after a storm, with a downed branch and loose shingles on the lawn.

Check on family members and neighbors, especially those who are elderly or live alone.
Walk the outside of your home and look for obvious damage: missing shingles, broken windows, dented gutters, or downed branches. Keep a safe distance from any downed power lines and report them to the utility company.
Look inside for signs of a new leak, such as a damp ceiling, a musty smell, or water pooling near windows and doors.
Take photos of any damage before you clean up or make temporary repairs. This makes the insurance process smoother later.
Move valuables and electronics away from any area that is actively leaking.
Clear debris from gutters and downspouts so water can drain away from the foundation.
If you smell gas, hear hissing, or see a downed line near your home, leave the area and call the utility company or 911 before doing anything else.
Keep receipts for any temporary repairs or supplies. Most policies cover reasonable steps taken to prevent further damage.