Storm Damage Restoration Checklist for Homeowners
Last updated October 24, 2026
The short answer
Safety First After a Storm
Your first step after a storm is to keep yourself and your family out of harm's way. Turn off the electricity at the main breaker if water has entered the home, but only if you can do so without standing in water. Avoid downed power lines and do not walk through moving water, as it can hide hazards.
Check for structural damage like sagging ceilings or cracked walls before re-entering any room. If you smell gas or hear hissing, leave immediately and call the gas company from outside. For any injury or if you feel unwell, see a doctor promptly.
- Wear sturdy boots and gloves when inspecting
- Use a flashlight, not candles, to avoid fire risk
- Keep children and pets away from damaged areas
- Shut off water supply if pipes may be broken
- Take photos of hazards for your records
Document the Damage Thoroughly
Before you move anything or start cleaning, take clear photos and videos of every affected area. Capture the water level lines on walls, soaked furniture, and any structural issues. This visual record helps your insurance claim and gives the pros a clear picture of what happened.
Make a written list of damaged items, including approximate purchase dates and values if you know them. Do not throw away anything until your insurance company tells you it is okay. Keep receipts for any supplies you buy for temporary repairs.
Make Temporary Repairs to Stop Water Entry
If the roof has a hole or a window is broken, cover the opening with a tarp or plywood to keep more rain out. You can also move valuable items to a dry area, such as an upper floor or a room that stayed dry. These steps prevent further damage while you wait for help.
Set up fans and a dehumidifier if power is safe to use, but do not run them in standing water. Open windows to let air circulate. Remember, the goal is to slow the damage, not to dry everything yourself, since hidden moisture can lead to mold.
Contact Your Insurance Company
Call your insurance company as soon as you can to report the storm damage. Ask what your policy covers and what steps you need to take. Policies vary, and your insurer decides what is covered. Keep a log of every call and the name of the person you speak with.
Your insurer may send an adjuster to inspect the damage. Until then, do not make permanent repairs. If you live in Worcester, keep your insurance documents and emergency numbers in a waterproof bag so you can access them quickly.
Work with Local Water Damage Pros
Once the immediate danger is over, the pros can handle the heavy work of drying, cleaning, and restoring your home. They have specialized equipment like industrial dehumidifiers and moisture meters to find hidden water. Their job is to bring your home back to a safe condition.
Ask for a clear plan of action before any work begins. The cost of restoration typically ranges from a few hundred to several thousand dollars, depending on the extent of the damage, the size of your home, and the materials affected. Get details in writing and check with your insurance company about what they require.
Talk to someone now
Call (508) 219-6294 any time, day or night, and describe what happened.
Call Now (508) 219-6294Frequently asked questions
How soon should I start cleanup after a storm?
Start as soon as it is safe to do so, because mold can begin growing within 24 to 48 hours on wet surfaces. Move quickly to remove standing water and wet items, but do not risk injury. If power is out, use generators outside only.
What should I do with wet carpet and furniture?
Remove wet carpet, padding, and furniture from the home if possible, and place them in a dry area. Many items, like mattresses and upholstered furniture, may not be salvageable if soaked. Take photos before discarding, and ask your insurance company what they want you to keep.
Can I clean mold myself after water damage?
Small areas of mold on hard surfaces can be cleaned with detergent and water. For larger areas, especially if mold covers more than a few square feet, hire a mold professional. Wear an N95 mask and gloves, and do not disturb mold that may release spores.