Power is getting restored, and cleanup crews are starting to make their rounds. But for others who sustained damage during Hurricane Florence, it still might be awhile before they can start repairs on their homes and businesses.
 
Some local experts share some tips about what to do right now before contractors and insurance adjusters can get to your property.
 

If you sustained minor damage:

            Kirsten Boehmer, communications manager for Wells Insurance: “Take reasonable steps to protect your property from further damage. Prior to making repairs, take photos or video of all damage. Save receipts for what you spend and submit them to your insurance company for reimbursement. Payments for temporary repairs are part of the total settlement, so don’t make extensive permanent repairs until your claims adjuster has assessed the damage.
 
            Andy James, national director of restoration for BluSky Restoration Contractors:
“The first concern must always be your safety. Carefully walk around the property to look for damage or loose power lines. You’ll want to take any steps you can to prevent additional damage, such as putting a tarp over a damaged roof or shutting off water or electricity if needed. Many of our commercial clients have access to internal maintenance personnel who can take care of minor damage. That said, a professional restoration company can help make that assessment.”
 

If you sustained major damage:

            Boehmer (Wells Insurance): “File your claim as soon as possible. Insurance companies sometimes work on a first-come, first-serve basis; so it’s in your best interest to file an insurance claim as soon as you can. When you contact your carrier, let them know the extent of the damages and if you have an inventory of your possessions. Keep a claims diary with photos, receipts, conversations and dates with your carrier. An insurance adjuster will come to your property, assess the damage and determine the size of your payout.”
 
            James (BluSky Restoration Contractors): “Contact your insurance company immediately. Take photos of any damage you find for use later with an insurance claim. You should also contact a reputable restoration company as soon as possible; fast response is vital in order to prevent further damage. A certified restoration contractor has the knowledge and equipment necessary to remove water and contaminants, and mitigate the damage. Disasters bring out a lot of people offering to help with repairs. Some are very reputable, but some are not. Don’t let anyone rush you to make decisions. Ask for references, identification and licenses; an ethical contractor will be happy to provide them.”
 

If you have flooding in your home or business:

            Boehmer (Wells Insurance): “If your home is flooded, you’ll need to find a safe place to stay while your home is being repaired. Standard homeowner insurance policies often contain loss of use coverage which helps pay for your family’s lodging as long as the damage is part of a covered claim. Be sure to talk to your agent to make sure you have this coverage and to determine its monetary value and time limits.”
 
            Justin Woodruff, owner of Ready Roofing Company, which has been haning out emergeny tarps: “Immediately file a claim with your insurance. Do not attempt to fix the leak yourself, the condition of your roof may be unsafe to walk on. Reach out to a professional roofer who can come asap and tarp the area affected. Be sure to document the damage before the tarp is applied to the roof. Ask your roofer to take before and after pics. Be sure that your roofer of choice is licensed in the State of North Carolina and has the proper insurance.”
 

If you had evacuated out of the area and aren’t sure of damage to your property:

            Boehmer (Wells Insurance): “Keep receipts for hotels and food while you are away. Submit these with your claim for reimbursement.”
 
            James (BluSky Restoration Contractors): “If you have evacuated your property and don’t know if you have damage, safety comes first. Always consult civil authorities before attempting to visit your property. Although the storm may have passed, life threatening floodwaters may be present or imminent.”
 
“I would say,” said Steve Wells, COO of Wells Insurance, “safety and patience are the most important things at this point.”