What to do after the storm

Check safety before checking the damage

Follow local emergency instructions. Do not enter a damaged structure, climb onto a roof, or approach downed wires to collect claim evidence. If there is immediate danger, use emergency services. Care Claims is not an emergency response provider.

Make the first record

• Photograph accessible damage before cleanup when safe, with wide views and close details.
• Note the date, affected areas, and what you actually observed about water entry or wind damage.
• Save receipts and photographs of reasonable temporary protection and emergency work.
• Inventory damaged belongings before disposal when safe; follow health guidance and ask the insurer about evidence preservation.

Do not delay necessary safety or damage-prevention measures just to obtain photographs. Explain any missing evidence and retain the records you can.

Report damage and keep each claim identifiable

Contact the insurer through the claims channel on your policy. Ask for a claim number and written next steps. If flood and property policies may both apply, keep their reports, documents, and claim numbers separate. Reporting a claim and submitting a flood proof of loss are distinct steps.

A fixed 'first 48 hours' checklist is not a universal legal reporting deadline. Give prompt notice and review the policy-specific requirements in our deadlines guide.

Prepare for the next conversation

Keep the policy, photos, mitigation invoices, inspection appointments, and insurer messages together. Record questions about the cause of damage, temporary housing, or requested documents. Our recent damage intake helps Care Claims understand your situation; it does not dispatch emergency help or notify your insurer.