Disaster can strike anywhere – and whether it’s a hurricane or tornado, an earthquake or a wildfire, it’s important that you know what
What to Check When You Return Home
Once officials say it’s safe to return to your home, you still have to be careful. When you arrive, make sure there are no immediate threats to your safety, such as:
• Cracks in your home’s foundation or roof that could cause the house to collapse
• Electrical issues, like downed power lines or shorts within your home
• Gas leaks that could signal a break in the gas line
• Water and sewage issues that can cause serious illness or death
• Air quality problems, like mold or carbon monoxide
Cracks in the Foundation or Roof
The first thing you should look at when returning home is your roof. Check for signs of damage from the front and back of the house before entering. If you notice any sagging or holes in the roof, be extremely cautious as it may not be stable.
Look for cracks in what you can see of the foundation, and peek inside the windows to see if there’s standing water or if ceilings are sagging – these are signs that the home’s structure is unstable and it could be dangerous for you to go inside.
If you believe it looks safe from the outside, you can head inside. (Check out this checklist to uncover storm damage before it’s too late for safety tips on inspecting your home.)
Officials will warn you if there are downed power lines in your neighborhood, but in the absence of a warning, you still need to check things around your home.
You should never touch fallen electrical wires, and if there’s any standing water in your home, turn off the electrical power immediately as long as you don’t have to stand in water to do it.
If you smell natural gas or propane, don’t go in – even if you think it’s just that the pilot light in your stove is out or that it’s coming from elsewhere. Even a small spark, like one from your hot water heater or an electrical short, can cause an explosion.
Even if you don’t notice a smell, but you notice a hissing sound of gas escaping or see other signs of a leak: IMMEDIATELY EVACUATE the area and seek assistance.
Water and Sewage Problems
Check for leaks around your home immediately. Watch for soggy floors, walls and ceilings – if you see any, the home’s integrity could be compromised, and you’ll need to leave right away. (It’s common for floors, walls and ceilings to get wet after a disaster, so moisture isn’t necessarily a sign that the home is about to collapse.)
If you discover puddles or floodwater, never let it touch your skin – even if you’re outdoors and you believe the water is coming from a nearby river or stream. There are three main types of wastewater, which includes water from flooding, but you can’t always tell what you’re dealing with by looking at it:
- Clean water – Clean water isn’t necessarily clean, but it comes from a clean source like a leaky faucet or broken pipe that carries city water to your home.
- Gray water – Gray water is definitely contaminated. It comes from sources like overflowing rivers and streams, washing machine and dishwasher overflows, and other sources that contain bacteria.
- Black water – Black water can contain deadly bacteria, as well as grease, sewage and dangerous pathogens. It can come from backed up sewage drains and other sources that carry wastewater, and it can pollute rivers and streams. You should never attempt to handle black water yourself.
If water is flowing inside your home, shut it off at its source immediately – right after you turn off the electricity.
Air Quality Problems
Open the doors and windows as soon as you can – your home needs to air out before you can stay there for any length of time. The biggest concerns with air quality in a disaster-claimed home are:
- Mold – Assume your home has mold issues if it was flooded. Mold can be extremely dangerous to your health.
- Carbon monoxide – Carbon monoxide can kill you, so bring along a battery-powered carbon monoxide detector when you inspect your home.
If you are concerned about air quality, immediately evacuate your home and call for assistance.
Pests and Animals
After a disaster, snakes, spiders and other wild animals can seek shelter in quiet, undisturbed places. Be particularly careful if your home sustained broken windows or pipes during the disaster, if walls are cracked, or if your roof sustained significant damage.
Safety Tips When Inspecting Your Home
When you inspect your home, follow these safety tips:
- Pay attention to strong odors or fumes that can signal dangerous chemical mixtures.
- Don’t connect a portable generator to your home’s electrical system.
- Remove wet items from your home as soon as possible to help prevent mold growth inside.
- Follow water advisories; if officials say you must boil water before using it, make sure it stays at a rolling boil for at least one minute. If possible, use bottled water for drinking and brushing your teeth.
How to Rebuild After a Disaster
When it’s time to rebuild or repair your home, file an insurance claim if you can. Some types of insurance (like flood insurance) aren’t mandatory everywhere – it’s a special policy that you must purchase in addition to your regular homeowner’s insurance policy. However, particular types of insurance may be suggested or required for particular areas. Flood insurance is recommended in areas like Miami where flooding and hurricanes occur more frequently.
You’ll have to read through your entire policy to see what’s covered and what you’re responsible for doing before you file a claim.
How to File a Home Insurance Claim
Follow these steps to file a home insurance claim with your provider:
- Call your insurance company as soon as possible after a disaster.
- Fill out claim forms immediately to avoid delays.
- Ask your insurer to send out an adjuster to inspect the damage.
- Prepare for the adjuster’s visit by listing everything that’s damaged in your home. Don’t throw away damaged items until after the adjuster sees them.
- Keep your receipts for emergency repairs. The same is true if you’re displaced – hold on to hotel receipts so you can prove how much the disaster has cost you.
When you’re cleaning up after a disaster, you may find it necessary to hire professional help – especially if you’re dealing with mold, soot and smoke damage, or sewage. If you don’t need professional help, follow these tips:
- Wear safety gear, like rubber gloves, goggles or breathing masks to protect yourself.
- Work in teams when you’re moving heavy items like sofas and beds.
- Throw away food that’s been exposed to floodwater or mud, even if it was sealed in a can or container.
- Rest when you need to – post-disaster cleanup can be a big, stressful job.
- Air out your home by opening doors and windows, and use fans to blow air out of your home.
- Throw away things you can’t clean or dry easily, like cosmetics, mattresses, paper products and heavy rugs.
- Clean all surfaces with hot water and dish detergent or bleach.
- Get rid of standing water as soon as you can to reduce the risk of illness or disease (and to minimize places for mosquitoes to thrive).
- Don’t handle hazardous materials. Call the fire department to inspect and remove them.