Going Home After Hurricane Harvey and Hurricane Irma

Torrential rain poured onto properties and businesses and flood waters kept rising. Destructive winds battered trees, homes and shelters. It felt like the storm would never end. Losses keep piling up as people tried to evacuate from the devastation. Homes were lost, ranches were destroyed and businesses may never re-open their doors. Hurricanes are no joke, and this hurricane season of 2017 has not been so kind, with Hurricane Irma and Hurricane Harvey as examples.

As the rain subsides, and the time comes to return to your homes and businesses, safety should be the first thing on your mind when you open those doors. Your household items may be lost, but remember – it’s just stuff. Take that into perspective as you start your recovery process. Safety for you and your loved ones should be the first thing on your mind as you return home and start to absorb the destruction that Hurricane Irma or Hurricane Harvey may have caused.

As you start to handle the overwhelming damage, here are some helpful tips:


Responsibilities for every homeowner:

  • Report a claim as soon as possible under the flood or homeowners policy by contacting your agent or the company that sold the policy to you. Bankers claim number: (800-765-9700)
  • Homeowners are responsible for mitigating any additional damage to their property
  • Keep track of expenses incurred to repair or replace property, since these will be submitted as part of the insurance claim


Watch out for dangers.

  • If you have fuel oil or propane tanks, make sure to turn off the fuel valve on the tank
  • Only enter buildings during the day, since there will be many hazards that may not be visible at night
  • Mold can begin to form in 24-48 hours. Pregnant women, young children and people with health issues need to be very cautious
  • Heavy work or thick-soled rain boots provide greater protection against exposed nails, popped boards, mountains of debris and unexpected encounters with some wildlife


Take pictures of the damage.

  • Take as many pictures as you can
  • After everything is photographed, damaged property should be separated from undamaged property in order to be reviewed by your insurance carrier
  • Take a careful inventory of what was damaged. (Insurers will ask for documentation)
  • Proof of loss needs to be sent within 60 days after a loss


Time for the Cleanup.

  • Wet contents such as books, clothing, furniture and other items should be removed from drawers, cabinets and shelves and laid out to dry
  • Open dresser and cabinet drawers to allow air to circulate inside – it’ll help to keep drawers from sticking together
  • Don’t clean everything with bleach, you can use regular clear water to rinse off then use regular cleaning products
  • Clean-up all debris around your home


There’s no place like home and there’s no place like a safe and protected home. Follow these easy steps to begin your recovery process after a hurricane like Irma or Harvey comes blowing through. We understand it’s not easy or fun, but we hope these simple steps will make the process a lot smoother. Contact your Bankers agent at (800-765-9700)  today to report a claim or if you have any questions on how to recover after a hurricane. We’re here to help!


(BARLOW, 2017)