Post-Hurricane Home Inspection: Full Checklist

Before you step inside, look for hazards outside. Check for downed power lines, gas odors, and unstable trees. If you smell gas or see sparks, leave the area and call your utility company from a safe distance. Do not enter a home with standing water if the power is on, as that creates an electrocution risk.

Wear sturdy boots, gloves, and a mask to protect against debris and mold. Carry a flashlight and your phone for photos. If the structure looks shifted, cracked, or leaning, do not enter. A structural engineer can assess the safety of the building before you go inside.

• Look for downed power lines and gas leaks
• Check for visible structural shifts or cracks
• Turn off the main gas valve if safe to do so
• Use a flashlight in dark areas
• Wear protective gear including boots and gloves
• Take photos of exterior damage before entering

Walk through every room and look for water stains, bubbling paint, or warped baseboards. Use a moisture meter if you have one, or press on drywall to feel for soft spots. Wet drywall can crumble and hide mold growth behind it. Pay special attention to corners and areas near windows and doors.

Check floors for buckling, cupping, or discoloration. Hardwood floors that have been wet may need replacement. Carpet that stays wet for more than 24 hours is a mold risk. If you notice a musty odor, that is a sign of hidden moisture. A thermal imaging inspection can detect moisture behind walls without cutting into them.

Take photos of every affected area, including the floor and wall edges. This helps the pros understand the scope of the water damage.

Take clear, dated photos of every damaged area, including wide shots and close-ups. Make a list of damaged belongings and their approximate value. Keep any receipts for temporary repairs, like tarping the roof. This documentation will help when you file a claim. Policies vary, and your insurer decides what is covered.

Do not throw away damaged items until your insurance adjuster has seen them. If you need to discard items for safety, take photos first. Keep a written log of all communications with your insurance company. This will help you stay organized during the claims process.

After you have documented everything, contact local water damage pros for a thorough inspection. They can identify hidden damage and begin the drying process to prevent mold.

• Take photos of every damaged area
• List damaged belongings with values
• Keep receipts for temporary repairs
• Do not discard damaged items until adjuster visits
• Log all insurance communications
• Contact pros for a full assessment