Property · Damage
Hurricane Home Damage Checklist
Hurricane damage can mix wind, water, flood, roof, contents, and rebuild.
Separate safety, exterior damage, interior water, flood questions, contents, contractor types, insurance documents, calculators, bid checker, and decision packet.
Hurricane damage should not be reduced to one repair category. Wind-created openings, roof leaks, floodwater, stormwater, contents, and rebuild may each need separate documentation.
Plain English
What proof should I save?
Save photos, videos, dates, receipts, repair notes, and what was thrown away or repaired.
Start here: Use the checklist before cleanup changes the scene.
Safety and claim boundary
Avoid downed lines, standing floodwater, unstable structures, gas smells, unsafe air, and active storm conditions. Follow local emergency instructions.
Kefiw does not adjust claims, interpret your specific policy, receive private claim documents, or decide coverage. Do not send private insurance paperwork, claim photos, financial details, or personal information through Kefiw unless a page explicitly explains how that information is handled.
Proof disappears fast
Take wide photos, close-up photos, videos, source photos, room-by-room notes, and contents photos before cleanup changes the scene. Save receipts, contractor notes, moisture readings, disposal notes, and communication with the insurer or property manager.
Open damage document checklistExterior and interior
Document roof, siding, windows, doors, fence, gutters, AC condenser, attic, ceiling, walls, floors, and contents if safe.
Flood vs storm opening
Floodwater, stormwater, roof opening, and wind-driven rain can raise different insurance and contractor questions.
Next tools
Use Flood vs Water Damage, Flood Insurance Gap Calculator, Water Damage Cost Calculator, Storm Damage Checklist, and Restoration Bid Checker.
Related next steps
Next: estimate, collect proof, compare the bid, then decide
Damage pages should end in a visible next action: calculator, checklist, decision packet, bid checker, or qualified professional question. Do not turn an unsafe room, vague contract, or policy-specific coverage question into a simple number.
Printable packet hook
The checklist content is visible on Kefiw. Use the printable packet only if you want a page to bring to the restoration company, adjuster, spouse, realtor, or rebuild contractor conversation.
Need a line-item estimate?
Use the questions above before building an estimate or talking with a restoration, rebuild, plumbing, roof, HVAC, mold, sewer, or fire/smoke provider. A cleaner quote separates emergency mitigation, cleanup, contents, and reconstruction instead of bundling everything into one vague number.
Kefiw does not adjust claims, interpret your specific policy, receive private claim documents, guarantee coverage, or tell you to delay emergency safety work.
Source links used for Damage pages
- EPA mold, moisture, and drying guidance Moisture control, 24-48 hour drying window, contaminated-water cautions, and professional cleanup boundaries.
- FloodSmart NFIP coverage overview Flood coverage limits, separate building/contents coverage, separate deductibles, and waiting-period language.
- NAIC flood insurance consumer guide Consumer framing for homeowners water events, flood coverage, water backup riders, and NFIP limits.