W
e're new to Florida and facing our first major storm. While many people are telling us how to prepare, we want to know what to do if damage occurs. What happens next?

    Natural disasters can strike anywhere, not just in hurricane-prone areas like Florida. The aftermath of a disaster is similar regardless of the type of event. Your safety should always be your top priority.

    When dealing with immediate hazards like deep puddles and downed power lines, exercise extreme caution. If you need to use a generator, follow safety guidelines carefully. After the emergency passes, focus on documenting everything for insurance purposes.

    Keep a journal of events and conversations, take photos of damage, and create an inventory of your possessions before the storm. This will help you prove the extent of the damage when filing a claim with your insurance company. Be prepared for long wait times and follow up regularly to ensure your claim is processed efficiently.

    If you have flood insurance, file a separate claim for it. Keep track of all requested information and submit it promptly. Protect your home from further damage by boarding broken windows, tarping the roof if necessary, and saving receipts for supplies and repairs.

    When hiring contractors, research local companies with a proven track record to ensure you're working with reputable professionals.