Hurricane Recovery Hub
After a hurricane, the paperwork and decisions can feel overwhelming. Here is a clear order of operations, with links to the official programs and our plain-language guides, so you can recover what you are owed and avoid the common traps.
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.
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.
File your insurance claim
Contact your insurer as soon as possible. Flood damage is covered separately (NFIP), and your hurricane deductible is a percentage of your home value, not a flat amount. Know what each policy covers before you call.
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.
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.
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.
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.
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.