7 Questions To Ask After A Natural Disaster

Satellite view of Hurricane Irene after it made landfall in Cape Lookout, North Carolina. Irene's outer bands are extended into New England.

KEY TAKEAWAYS

The Disaster May Not Be Over When You Think It Is

Earthquakes have aftershocks. Hurricanes have secondary storm bands. Floodwaters continue rising after the rain stops. Do not go outside or attempt to return home until authorities confirm it is safe. Downed power lines, broken gas pipes, and unstable structures are invisible killers in the hours after a natural disaster.

Your Insurance Claim Starts With What You Document Right Now

Contact your insurer as soon as it is safe to do so. Photograph and video every area of damage before you clean up or make temporary repairs. Your homeowners policy may cover temporary housing and relocation costs while your home is uninhabitable, but you need to ask. Know what your policy covers before you assume it does not, and keep every receipt from this point forward.

Safety, Water, Cleanup, and Help Are Four Separate Problems That Need to Be Solved in Order

Confirm the event is over and it is safe to return. Check whether your water supply is compromised and follow boil-water alerts until authorities clear it. Find out which cleanup tasks are your responsibility and which require professionals or the local sanitation department. Then locate shelters, food distribution points, and aid organizations through local news or emergency channels. If you were less affected, check on your neighbors. Community recovery depends on people helping each other.

Even if you’ve done everything you can, it can be difficult to know how to prepare for a hurricane, tornado, blizzard, flood, earthquake or wildfire that might affect your hometown. Before you jump head-first into recovery mode, be sure you’re asking the right questions.

1. Is It Really Over?

You should never rush out before making sure that the coast is clear. What feels like an earthquake might have just been a foreshock followed by even more powerful seismic activity. (Small aftershocks can also cause major damage.) The same question should be asked following hurricanes and tornadoes. A lull in activity should not be confused with the end, unless you’ve been told otherwise by the authorities.

2. Is It Safe To Return Home?

After an evacuation, most people are eager to return home to assess the damages and potentially start the rebuilding process. However, it can be dangerous to return home without knowing what kind of post-disaster conditions you’ll encounter. Downed power lines, fallen trees, broken gas lines, and other forms of debris can present new dangers and should be left to the professionals. Your homeowners policy could cover some costs of relocation or temporary housing, so be sure to check with your insurance provider.

Tornado about to cross over a rural road with mountains in the background.

3. Is The Water Safe To Use/Consume?

There are several reasons why water supplies may be deemed unfit for human (or animal) consumption, including sewage backups and chemical spills, so pay attention to boil water alerts or other warnings against bathing or drinking from the tap. Bottled water should also be a part of your disaster kit; local governments and rescue agencies may even supply some.

4. Who Is Responsible For Cleaning Up?

Unfortunately, natural disasters have a tendency of disrupting life in very tangible ways. Wind, water, and other elements can make a pretty big mess, but it’s not always up to you to clean up the destruction they’ve caused. Check with your local sanitation department or housing association to see if the job is one that you can opt out of. There may be legal or safety reasons why you shouldn’t touch that fallen tree.

Cartoon depiction of a hand holding a cellphone screen up with an exclamation point.

5. Does Your Insurance Cover The Damage?

This question should come before and after any disaster. When purchasing a policy, be sure you understand what, exactly, your insurance covers in the event of an emergency; afterwards, don’t be afraid to reach out to your insurance company for guidance. After all, that’s what they’re there for.

6. Where Can You Go For Help?

Dealing with the aftermath of any disaster can be hard, but you don’t have to go it alone. News outlets and police stations generally broadcast details on where to go for assistance, whether you need food or temporary shelter.

7. What Can You Do To Help?

If you were one of the lucky ones, remember that your friends and neighbors may not have been so fortunate. Offering time, energy, or resources is the right thing to do. After all, you’re helping rebuild your community—and safeguard its future.

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  • 1. Is It Really Over?
  • 2. Is It Safe To Return Home?
  • 3. Is The Water Safe To Use/Consume?
  • 4. Who Is Responsible For Cleaning Up?
  • 5. Does Your Insurance Cover The Damage?
  • 6. Where Can You Go For Help?
  • 7. What Can You Do To Help?
  • Ready to Protect Your Car?