What to do in the first 24 hours
- Deal with safety first — downed lines, standing water near electrical, and structural damage. Leave the building if there is any doubt.
- Photograph everything from the ground, including hail on the lawn, dented gutters and garage doors, and any interior water staining. Timestamps matter.
- Get water out of the building. Standing water becomes a mold problem within a day or two, not a week.
- Cover active leaks if it is safe to do so from inside. Do not climb a wet or damaged roof.
- Call for a professional inspection before you call your carrier, so you file knowing what actually happened.
