As the flood waters begin to gradually recede in Texas and Louisiana, residents are going home to assess the damage and see what remains after Hurricane Harvey swept through. Many will be unsure of where to start or how to manage the claims process.

Safety should be the first priority when returning to a home or business. Do not enter unstable buildings or structures that need to be cleared for re-entry by local authorities. Before entering the structure, walk around the exterior to make sure there are no major holes or other signs of collapse, loose pipes or downed wires that could pose a danger. Beware of broken windows and doors, since they may allow snakes, alligators and other wildlife to enter the premises.

Utility dangers

If there are fuel oil or propane tanks, make sure to turn off the fuel valve on the tank. Natural gas should be turned off at the meter. Only enter buildings during the day, since there will be many hazards that may not be visible at night. Never use candles for temporary lighting because of the fire risks. Use a flashlight or battery-operated lantern.

“Turn off your main water valve, as well as the main electrical box,” cautions Don Carson, executive vice president and managing director for Burns & Wilcox, a large personal insurance wholesale broker and underwriting manager in North America. “It is also important to be cognizant of any safety issues that may cause further damage to the home or occupants.”