Still in danger? If a storm is active or you are unsafe, start with our Active Storm Resources and call 911 for emergencies. This guide is for after the storm has passed and it is safe to begin recovery.

Hurricane Recovery Hub

After a hurricane, the paperwork and decisions can feel overwhelming. The steps below link to official programs and guides for documenting damage, making claims, and arranging repairs.

1

Re-enter safely

Do not go home until officials say it is safe. Watch for downed power lines, gas leaks, and structural damage. Document hazards before you touch anything.

2

Document the damage before cleanup

Photograph and video everything before you clear debris or make repairs. This evidence is the backbone of your insurance claim. Keep receipts for emergency repairs.

3

File your insurance claim

Contact your insurer as soon as possible. Flood damage is covered separately (NFIP), and a hurricane deductible may be a percentage of the insured value. Check your policy for the amount and trigger. Know what each policy covers before you call.

4

Apply for federal disaster aid

If a federal disaster is declared, FEMA assistance and low-interest SBA disaster loans can help cover what insurance does not. Apply early, even if you also have a claim pending.

5

Avoid post-storm scams

Disasters draw contractor fraud and fake charities. Never pay in full up front, verify licenses, get written estimates, and be wary of anyone pressuring you to sign or pay immediately.

6

Take care of yourself

Recovery is exhausting and emotional. Free, confidential support is available around the clock, and 211 can connect you with local services.

7

Plan the long recovery

Rebuilding finances and property takes months. A clear plan, good records, and the right order of operations make a real difference.

Reviewing coverage for the future? See the guide to wind and flood insurance.

Preparing before a storm instead? See Active Storm Resources and get our Storm-Ready Briefing.

SimStorm is an educational resource, not a legal, financial, or insurance advisor, and not an emergency service. Program rules change; always confirm details with the official agency (FEMA, SBA, your state insurance department) and your own insurer. Links to third-party sites are provided for convenience only.