Emergency Preparedness Checklist for Storm Damage

Your roof is your home's primary defense against severe weather. A thorough seasonal inspection can identify vulnerabilities before they become major problems during a storm.

• Inspect roof shingles for loose, missing, or damaged materials
• Check flashing around chimneys, vents, and roof penetrations
• Examine gutters and downspouts for damage, clogs, and proper drainage
• Assess siding for loose panels, cracks, or deteriorating caulk
• Inspect windows and doors for damaged frames or weatherstripping
• Check garage doors for proper operation and secure hardware
• Evaluate outdoor structures like sheds, fences, and decks for stability

Trees and landscaping elements can become dangerous projectiles during severe weather. Proper maintenance significantly reduces the risk of property damage.

• Trim tree branches that hang over your roof or are within 10 feet of your home
• Remove dead, diseased, or damaged tree limbs
• Assess large trees for signs of disease, rot, or instability
• Clear vegetation from around your home's foundation
• Secure or remove loose outdoor furniture, decorations, and equipment
• Check and reinforce fencing, particularly sections that could impact your home if damaged
• Consider professional tree health assessments for large specimens near your property

Proper insurance coverage and documentation are crucial for recovery after storm damage. Annual reviews ensure adequate protection and streamline the claims process.

• Review your homeowner's insurance policy for coverage limits and deductibles
• Understand what types of storm damage are covered (wind, hail, flood)
• Consider additional flood insurance if you're in a flood-prone area
• Create a detailed home inventory with photos and descriptions
• Document high-value items with receipts and appraisals
• Store insurance documents and inventories in a secure, accessible location
• Keep digital copies of important documents in cloud storage
• Take exterior and interior photos of your home's current condition

A well-stocked emergency kit ensures your family can remain safe and comfortable during and after severe weather events when utilities may be disrupted.

• Water: 1 gallon per person per day for at least 3 days
• Non-perishable food for 3-7 days (canned goods, dry goods, snacks)
• Battery-powered or hand-crank radio and NOAA Weather Radio
• Flashlights and extra batteries
• First aid kit and prescription medications
• Cash in small bills and coins
• Emergency contact information and important documents
• Blankets, sleeping bags, and warm clothing
• Fire extinguisher and smoke detector batteries
• Matches in waterproof container
• Paper plates, cups, plastic utensils
• Can opener and manual tools
• Local maps and emergency plan copies

When severe weather is forecast for your area, these immediate preparations can prevent significant damage to your property.

• Fully charge all mobile phones, tablets, and portable devices
• Test battery-powered and hand-crank radios
• Download offline maps and weather apps
• Set up emergency contact group messages
• Backup important files to cloud storage
• Prepare portable phone chargers and power banks
• Set emergency alerts on all family members' devices

Your safety is the absolute priority during severe weather. Follow these guidelines to protect yourself and your family.

• Move to the lowest floor of your home, away from windows
• Avoid rooms with large roof spans (garages, auditoriums)
• Stay in interior rooms, preferably small spaces like bathrooms or closets
• Keep emergency supplies and communication devices nearby
• Monitor weather alerts and emergency broadcasts continuously
• Do not go outside during the storm, even during brief lulls
• Avoid using candles; use battery-powered lighting instead
• Stay away from electrical appliances and outlets

• Listen to NOAA Weather Radio or local news for updates
• Stay connected with family members and emergency contacts
• Keep phones on battery saver mode to preserve power
• Document the storm's progression if safely possible
• Note any sounds that might indicate structural damage
• Avoid unnecessary movement around the house during peak conditions

The immediate post-storm period requires careful assessment to ensure continued safety while beginning the damage evaluation process.

• Wait for official all-clear before going outside
• Check family members for injuries and provide first aid if needed
• Inspect your immediate indoor environment for hazards
• Check for gas leaks (smell) and turn off gas if suspected
• Assess electrical hazards and avoid downed power lines
• Look for structural damage from inside the house first
• Avoid areas with potential overhead hazards
• Contact emergency services if immediate dangers are present

Proper documentation immediately after the storm is crucial for insurance claims and restoration planning.

• Take photos and videos of all visible damage from multiple angles
• Document the date, time, and weather conditions
• Create a detailed written inventory of damaged items
• Include both close-up and wide-angle shots of damage
• Photograph structural damage, roof damage, and water intrusion
• Document any emergency repairs you make with before/after photos
• Keep receipts for emergency supplies and temporary accommodations
• Note the approximate time damage occurred if witnessed

Quick action to prevent secondary damage can save thousands in additional repair costs.

• Install emergency tarps over damaged roof areas
• Board up broken windows and doors
• Remove standing water to prevent mold growth
• Move undamaged belongings to dry areas
• Set up dehumidifiers and fans to dry wet areas
• Mark unsafe areas and restrict access
• Take photos before and after any emergency repairs
• Keep receipts for all materials and services

• Contact your insurance company to report the claim as soon as possible
• Request a claim number and adjuster assignment
• Provide initial damage assessment and documentation
• Schedule property inspection with insurance adjuster
• Contact licensed restoration contractors for damage assessment
• Get written estimates for repair work
• Coordinate contractor and adjuster site visits when possible
• Keep detailed records of all communications and expenses

The recovery phase requires coordination between multiple parties to restore your property efficiently and completely.

• Work with your insurance company to understand coverage and claim process
• Obtain multiple estimates from licensed, insured restoration contractors
• Verify contractor licenses, insurance, and local business credentials
• Review all contracts carefully before signing
• Coordinate repair schedules to minimize disruption
• Monitor work progress and quality throughout the project
• Keep detailed records of all repair work and costs
• Request warranties on all repair work performed

If your home is uninhabitable during repairs, proper planning ensures comfort and minimizes additional expenses.

• Check insurance coverage for temporary living expenses
• Research temporary housing options (hotels, rentals, family)
• Keep receipts for all temporary living expenses
• Coordinate access for contractors and adjusters
• Secure personal belongings and valuables
• Maintain utilities needed for repair work
• Monitor property security throughout repair process
• Plan for extended timeline if extensive repairs are needed

• Review and update your emergency preparedness plan based on lessons learned
• Consider property improvements that enhance storm resistance
• Update insurance coverage if property values have changed
• Replenish emergency supply kits used during the event
• Schedule follow-up inspections to ensure repair quality
• Document the complete restoration process for future reference
• Consider additional mitigation measures based on damage patterns
• Update family emergency contacts and communication plans