First steps after property damage

A safety-first checklist for documenting a loss, preventing additional damage, and organizing the next conversations.

Start with safety

Follow local emergency instructions. Stay out of areas with structural instability, live electrical hazards, smoke, contaminated water, or other immediate dangers. Call emergency services when anyone is at risk.

Record what happened

When it is safe, photograph and video the affected areas before cleanup or temporary work. Keep a dated timeline, save receipts, list damaged property, and retain estimates and messages. Do not put yourself in danger to document damage.

Protect the property

Ask your insurer what emergency steps are appropriate. Take reasonable temporary measures only when safe, keep receipts, and document the condition before and after. Do not discard damaged items until you have checked applicable instructions.

Get the right help

Ask any professional about their role, qualifications, scope, fees, and who they represent. Public adjusters, attorneys, contractors, and insurer adjusters have different roles. Check current licenses and bar status with official state sources.

This general information is not legal, insurance, construction, or emergency advice. Policy terms and state requirements vary.

Source references

• Ready.gov — emergency preparedness
• NAIC — consumer insurance resources

Explore related losses

• water
• fire smoke
• wind hail
• flood
• other

Educational information, not legal advice or a coverage determination.