What to Do After Tornado Damage

A tornado can cause sudden, devastating damage to your home and belongings. In the aftermath, your primary focus should be safety, damage assessment, and securing your property. This guide provides clear, actionable steps to help you navigate the chaos with confidence, minimize further harm, and streamline the insurance process. Remember, staying calm and organized is your best strategy.

Immediate Safety Steps (First 24 Hours)

Your safety is the top priority. Tornado damage can cause hazards such as downed power lines, unstable structures, and broken glass. Follow these steps immediately:

1. Ensure Personal Safety

• Check yourself and others for injuries. Use first aid if necessary, but avoid moving seriously injured persons unless there's an immediate danger (fire, gas leak).
• Avoid entering damaged structures until authorities declare them safe.
• Stay indoors if the storm has just passed and avoid downed power lines or debris outside.
• Listen to emergency alerts on a battery-powered radio or your cell phone. Keep updated on weather conditions and official instructions.

2. Secure the Area

• Keep away from downed power lines. Assume all fallen wires are live.
• Avoid broken gas lines. If you smell gas, turn off the main valve if it’s safe, and evacuate immediately.
• Clear the area of debris that could cause injury or further damage.

3. Turn Off Utilities if Necessary

• Electricity: If you see sparks, smell burning, or suspect damage, turn off the power at the breaker box.
• Gas: If you suspect a leak, turn off the gas supply and evacuate.
• Water: Shut off the main water valve if flooding or contamination is evident.

4. Document Your Safety Actions

• Note any hazards you encounter and actions taken. This will be useful for insurance claims and safety reports.

Damage Assessment & Documentation

Once you are safe, carefully evaluate the damage to your property.

1. Conduct a Visual Inspection

• Walk around your property from a safe distance. Look for:

- Windows and doors: shattered glass, broken frames.

- Exterior walls: cracks, holes, or signs of structural compromise.

- Gutters and downspouts.

- Outbuildings, fences, and trees.

- Personal property: furniture, appliances, electronics.

> Important: Do not climb onto your roof or climb ladders if the structure seems unstable. Wait for professional inspection if necessary.

2. Take Photos and Videos

• Document every type of damage with clear photos and videos.
• Focus on:

- Close-ups of specific damages.

- Any debris or hazards.

• Date and time-stamp your media for record-keeping.

3. Make a List of Damaged Items

• Create an inventory of damaged personal property, including estimated value.
• Keep receipts or proof of purchase if available.

4. Assess Structural Safety

• Check for:

- Large cracks.

- Unstable roof or parts of the structure.

• If you suspect structural failure, do not enter the building. Call a professional.

Temporary Repairs to Prevent Further Damage

Mitigate additional harm while waiting for professional repairs.

1. Cover Broken Windows and Roof Openings

• Use plastic sheeting, tarps, or plywood to cover exposed areas.
• Secure coverings with nails, screws, or heavy objects.
• Be cautious when working at heights; consider calling a professional from GetFixn.com for safe installation.

2. Protect Valuables and Interior Items

• Move undamaged belongings away from damaged areas.
• Cover furniture and electronics with tarps or plastic sheeting to prevent water damage.

3. Waterproof and Drain

• If flooding is possible, clear gutters and scoop out standing water.
• Use sandbags if flooding is imminent.

4. Secure the Property

• If safe, board up broken doors or windows to prevent theft or vandalism.
• Lock all doors and windows once secured.

When to Call a Professional

Some damage requires immediate professional attention:

• Structural damage: large cracks, sagging, or collapse risk.
• Roof damage: if missing shingles or structural issues.
• Gas leaks: smell gas or suspect leaks.
• Electrical hazards: sparking or exposed wiring.
• Tree or debris removal: blocking driveways, access points, or threatening structures.

Insurance Claim Tips

Filing an insurance claim can be complex. Follow these steps to streamline the process:

1. Notify Your Insurance Company Promptly

• Contact your insurer as soon as possible—most policies require prompt reporting.
• Provide a clear description of the damage and your contact info.

2. Document Everything Thoroughly

• Use your photos/videos to support your claim.
• Keep detailed records of all communications and repairs.
• Maintain a list of damaged items with estimated values and receipts if available.

3. Prevent Further Damage

• Keep receipts for temporary repairs (tarps, plywood, etc.).
• Take photos of temporary fixes.

4. Get Multiple Repair Estimates

• Contact reputable contractors—GetFixn.com is a good resource for finding qualified professionals.
• Obtain written estimates before authorizing repairs.

5. Understand Your Policy

• Know what is covered: roof, windows, siding, personal property.
• Clarify deductibles and claim limits.
• Keep copies of your policy documents handy.

6. Keep Records of All Communications

• Write down dates, times, and summaries of phone calls or emails.
• Save copies of all estimates, receipts, and correspondence.

7. Don’t Rush Repairs Before Claim Approval

• Major repairs should generally wait until after your claim is processed unless urgent for safety.
• Emergency repairs for safety are acceptable but document carefully.

Long-Term Repairs and Restoration

Once immediate issues are addressed, plan for comprehensive repairs.

1. Hire Qualified Professionals

• Use GetFixn.com to find licensed, insured contractors experienced in storm damage repairs.
• Verify credentials and references.

2. Develop a Repair Plan

• Prioritize repairs based on safety and structural integrity.
• Obtain permits if required by local codes.
• Schedule repairs to minimize inconvenience.

3. Address Hidden Damage

• Conduct thorough inspections for water intrusion, mold, or electrical issues.
• Consider hiring a home inspector for comprehensive evaluation.

4. Document Repairs for Insurance and Future Reference

• Keep copies of all invoices, permits, and warranty information.
• Take before-and-after photos.

5. Prevent Future Damage

• Reinforce or replace roof and siding with storm-resistant materials.
• Trim or remove damaged or weak trees near your home.
• Install storm shutters or impact-resistant windows if feasible.

Common Mistakes to Avoid

• Delaying safety checks or repairs: Always prioritize safety and don’t delay urgent repairs.
• Ignoring insurance procedures: Failing to document or report damage properly can delay or reduce your claim.
• Attempting major repairs yourself without expertise: Structural or electrical work should be left to professionals.
• Removing damaged materials prematurely: Keep damaged areas intact until inspected by your insurer or contractor.
• Not keeping records: Lack of documentation complicates claims and future repairs.

Final Thoughts

Dealing with tornado damage is stressful, but a calm, organized approach can make a significant difference. Focus on safety first, document thoroughly, communicate clearly with insurers and contractors, and don’t hesitate to seek professional help. For trusted local contractors, visit GetFixn.com to find qualified professionals ready to assist you.

Remember, swift, deliberate action today can help restore your home and peace of mind faster.