The Calm After the Storm: What to Do Next

Aug 25, 2026Insurance, Seasonal

The storm has passed, but your cleanup checklist is just getting started. Before you grab the broom, cleaning supplies, or trash bags, take a few minutes to make sure it’s safe to head outside and document what happened. A little preparation now can help make the cleanup process smoother later.

Put Safety First
Just because the storm has passed doesn’t mean all the hazards have.

Before heading outside:

  • Avoid walking or driving through floodwaters. They can contain debris, pollution, and other hidden hazards.
  • Watch for downed power lines and stay clear of damaged electrical equipment
  • If you use a generator, follow these safety tips and always follow the manufacturer’s instructions and keep it outside and away from windows and doors to help prevent carbon monoxide poisoning
  • Check on elderly neighbors or others who may need assistance, especially during hot and humid cleanup conditions

When in doubt, stay put. Cleanup can wait; safety shouldn’t.

Source: National Oceanic and Atmospheric Administration (NOAA), “Use Caution After Storms” NOAA: Use Caution After Storms 

Document the Damage
Before you start moving things around, grab your phone and start snapping. 

Take photos and videos of:

  • Windows, and doors
  • Water intrusion or visible interior damage
  • Damaged furniture and belongings
  • Fallen trees or damaged fences
  • Any other areas affected by the storm

Take wide shots to show the full picture and close-ups to capture the details. You can never have too much documentation.

Prevent Further Damage
Once it’s safe, take reasonable steps to protect your home from additional damage.

Depending on the situation, that could mean:

  • Covering a broken window
  • Placing a tarp over a damaged area
  • Moving undamaged belongings away from water
  • Removing standing water around your property, and familiarizing yourself with how homeowners insurance may respond to water damage 
  • Calling a professional when the job is beyond a DIY fix

Don’t Toss Everything Just Yet
We know you want the storm debris gone. But before damaged belongings head to the curb, take a moment to document them.

If possible:

  • Photograph damaged items
  • Make a list of what was damaged
  • Keep receipts or other proof of purchase when available
  • Check with your insurance professional before disposing of significantly damaged items

Your trash pile might tell part of the story, but your photos can help tell the whole thing.

Give Your Insurance Professional a Call
Once you’ve handled immediate safety concerns and documented the damage, reach out to your insurance agent or company.

They can help you understand:

Every storm and every policy is different, so it’s always a good idea to discuss your specific situation with your insurance professional.

Keep Your Cleanup Crew Safe
Storm cleanup can turn into a family affair, but some jobs are better left to the pros.

Be especially careful around:

  • Chainsaws and power equipment
  • Downed trees and large branches
  • Damaged electrical systems
  • Structural damage
  • Mold or contaminated water

If something looks dangerous, don’t make it a DIY project.

The Takeaway
Storm cleanup is a process, not a race. Take a breath, make sure it’s safe, document the damage, and take reasonable steps to protect your home before you start clearing things away.

A little preparation after the storm can help you move from cleanup mode to getting your home back to normal. One step at a time.