?Did a tornado just hit near your home and you do not know what to do next?
What this article will do for you
You will get clear steps to follow right after a tornado. You will learn how to keep yourself safe, how to protect your home, and how a public adjuster helps you with your insurance claim. I write this as an insurance professional and public adjuster who works in Florida. I write so you can act quickly and safely.
Stay calm and move to safety first
You may feel upset and scared. You must keep calm. You must move to a safe place if you can do so. You must put your body and your family first.
Check for injuries
You look for injuries in yourself and in your family. You help anyone who needs first aid if you can help. You call 911 if anyone has a serious injury.
Watch for hazards around your home
You look for broken glass, loose nails, and downed power lines. You stay away from wires that touch water. You do not touch wires. You do not walk through standing water near wires.
Call emergency services if needed
You call 911 for fire, gas leaks, and severe injuries. You tell the operator where you are and what happened. You follow any instructions the operator gives.
Do not enter damaged buildings before they are safe
You wait for a professional inspector if the building looks unstable. You do not enter if walls or the roof are missing. You wait until a building inspector or firefighter says it is safe.
Turn off utilities if you can do so safely
You turn off gas if you smell gas or hear a hissing sound. You turn off the gas at the main valve. You turn off electricity at the main breaker if water is in the house. You turn off water if pipes have burst.
Keep a safe distance from damaged areas
You keep back from places that look unsafe. You do not walk near broken fences or leaning trees. You do not walk under a roof that looks loose.
Check your roof and exterior carefully
You look at your roof from a safe ground view. You do not climb on a wet or unstable roof. You note missing shingles, holes, and fallen tree limbs.
Look for gas and chemical leaks
You smell and listen for gas or chemical odors. You leave the house if you smell gas. You do not turn on lights or use a phone inside until you are outside. You call the gas company from outside.
Photograph and document damage quickly
you take photos and videos of every damaged area. You record the time and date you took the photos. You write down simple notes about each photo. You keep receipts for any emergency purchases.
Why documentation matters for insurance
You must show proof to your insurance company. You will use photos and notes in your claim. You will get more help if you have clear proof of damage.
Contact your insurance company right away
You call your insurance company as soon as you can. You report the damage and ask about the next steps. You ask how to file a claim and what they need from you.
Call a public adjuster for help with your claim
You call a public adjuster to help you with the claim process. A public adjuster works for you. A public adjuster reviews your policy, documents your loss, and negotiates with the insurance company on your behalf.
Why a public adjuster can help you
You may not know policy language and limits. You may miss items that deserve payment. A public adjuster finds damage and writes a claim that is complete. You keep your time for other tasks while the adjuster works.
Why choose Otero Property Adjusting & Appraisals
You can call Otero Property Adjusting & Appraisals if you live in Florida. Otero works from Pensacola and serves homeowners across Florida. Otero does an initial inspection for free. Otero gets paid only when you get paid. Otero acts as a negotiator between you and your insurance company.
Otero contact information
You can reach Otero at:
- Address: 3105 W Michigan Ave, Pensacola, FL 32526
- Phone: (850) 285-0405
- Website: https://oteroadjusting.com/
Start a damage inventory list
You write a simple list of all damaged items. You include furniture, appliances, clothes, and toys. You write the age of each item if you can. You write the estimated value if you can.
Save damaged items if it is safe
You keep damaged items for the adjuster to inspect if those items are safe to keep. You do not throw away important items until the insurer inspects them or tells you to do so. You keep small damaged items in one place.
Make temporary repairs to prevent more damage
You cover broken windows and holes with plastic or tarps. You board up doors that no longer latch. You keep receipts for the materials and labor you pay for. These costs may be part of your claim.
Do not make permanent repairs yet
You do not replace the roof or close large openings before you file the claim. You wait until your insurer inspects and approves the work unless the insurer says otherwise. You make only temporary repairs to stop further loss.
Keep all receipts and records
You keep every receipt for repairs, food, hotel stays, and supplies. You write simple notes about each purchase. You keep copies of every paper related to your loss.
Avoid common claim mistakes
You do not sign away your rights without reading the document. You do not accept a check until you know it covers everything. You do not let the insurer pressure you to make a quick deal. You call a public adjuster if you feel unsure.
How Otero helps with common mistakes
You get help from Otero to read documents and offers. Otero explains what a check covers and what it does not cover. Otero stands with you during negotiations.
Keep a simple contact list for your claim
You write down phone numbers and emails for the insurance company, a contractor, and your public adjuster. You also list family contacts. You keep this list where you can find it fast.
Sample emergency contact table
| Contact type | Who you call | Why you call |
|---|---|---|
| Emergency | 911 | Fire, gas leak, severe injury |
| Insurer | Your insurance company | File a claim |
| Public adjuster | Otero Property Adjusting & Appraisals | Claim help and inspections |
| Gas company | Local gas company number | Gas leak |
| Electric company | Local electric company | Downed power lines or power outage |
| This small table helps you remember who to call. |
Take care of pets and animals
You make sure your pets are safe and calm. You keep pets in a secure carrier or on a leash. You bring pet food, water, and medication with you if you evacuate.
Move to a safe place if your home is unstable
You sleep at a friend’s house, motel, or shelter if your home looks unsafe. You keep your important papers with you. You keep receipts for housing costs for your claim.
Watch for weather updates and warnings
You listen to a battery radio or your phone for updates. You follow official instructions from local emergency officials. You do not go back too soon.
Protect your family documents
You gather birth certificates, insurance policies, and property deeds if you can grab them safely. You put them in a waterproof container or a zip bag. You make digital copies and send them to a trusted email or cloud storage.
Photograph your documents and property before cleanup
You take photos of the documents and the entire house before you remove items. You take photos of the outside and inside. You make sure the photos show the damage clearly.
Keep a detailed timeline of events
You write the dates and times of key actions. You note when you called the insurance company. You note when an adjuster visited and when repairs began.
Example of a simple timeline you can keep
| Date | Action |
|---|---|
| Day 1 | Reported claim to insurer |
| Day 1 | Took photos and video |
| Day 2 | Called Otero for inspection |
| Day 3 | Otero inspected property |
| This timeline helps you and your public adjuster. |
Know what your homeowners policy covers
You read your policy to see what is included and what is excluded. You look for wind damage, roof coverage, and temporary living expenses. If the policy language confuses you, you call a public adjuster to explain it.
Understand wind vs. flood damage
You check if the damage came from wind or from flooding. Wind damage usually falls under homeowners insurance. Flood damage often needs a separate flood policy. You check your policy and you ask your public adjuster for help.
Keep careful records of flood vs. wind observations
You write down what you saw. You note if water rose above the floor or if the roof blew off. Accurate notes help the insurer determine coverage.
Contact licensed contractors for emergency work
You call licensed roofers and builders to get temporary fixes. You ask for written estimates. You do not sign long contracts for full repairs before you file your claim.
Keep multiple estimates for major repairs
You collect at least two or three estimates for big items like a new roof. You give these to your public adjuster to use in your claim. Your adjuster compares the estimates and suggests fair pricing.
Do not agree to lowball offers from the insurer
You review any offer the insurer gives with care. You contact a public adjuster if the offer seems low. An adjuster can explain the offer and can negotiate for more.
How Otero negotiates for you
Otero documents your loss and builds a clear claim file. Otero calls the insurer and presents the evidence. Otero seeks full payment under your policy.
Keep communication in writing when possible
You send emails and letters to the insurer when you can. You write simple notes about phone calls. You record the date, time, and name of the person you spoke with.
Use simple and clear language in your claim
You describe damage in short sentences. You avoid long explanations. Short notes help the insurer and your adjuster.
Keep your expectations realistic
You understand the adjustment process takes time. You expect inspections, reviews, and more paperwork. You stay patient while you keep good records.
Know your rights as a policyholder in Florida
You have the right to hire a public adjuster. You have the right to documentation and explanation from your insurer. You have the right to appeal a claim decision if you disagree.
Avoid quick contractors who ask for full payment up front
You do not pay a contractor everything before work begins. You use written contracts that show a fair payment schedule. You keep a copy of the contract for your claim file.
Ask your public adjuster about contractor referrals
You ask Otero if you need contractor referrals. Otero may know local licensed contractors who understand insurance work. You still check licenses and references yourself.
Keep safety equipment on hand during cleanup
You wear gloves, boots, and a hard hat if you work near debris. You use eye protection when you cut or move objects. You keep a flashlight and fresh batteries.
Dispose of hazardous materials properly
You do not mix household chemicals in piles. You follow local instructions for disposal. You call local solid waste if you are not sure what to do.
Save receipts for cleanup and disposal costs
You add these receipts to your claim file. You note why you paid the bill. You keep copies of the bills.
Handle mold risks quickly
You remove wet materials and dry the area quickly to limit mold. You document water damage and drying steps. You keep receipts for drying equipment and services.
Report any theft or looting to the police
You call police if you notice missing items. You file a police report and keep a copy. You provide the report to your insurance company.
Keep a safe perimeter around your home
You put up tape or markers if the area is dangerous. You ask local officials about curfew rules or restricted zones. You follow their instructions.
Protect against identity theft after a disaster
You keep personal documents safe and out of sight. You watch for unusual bills. You report fraud to your insurer and the proper authorities.
Ask simple questions to your insurance adjuster
You ask: What does my policy cover? What do I need to show? How long will the process take? You write down the answers.
Work with your public adjuster every step
You meet with your public adjuster to review the damage. You let the adjuster handle insurance calls and paperwork if you want. You stay informed and ask questions.
What to expect from a free inspection by Otero
You get a clear, honest inspection of your property at no cost. Otero reviews visible damage and writes a report. Otero explains the next steps in plain language.
How Otero gets paid
Otero gets paid when you get paid. You do not pay Otero out of your pocket before a settlement. This arrangement helps you avoid upfront fees.
Record and send all photos to your adjuster
You email or upload your photos to your public adjuster. You label the photos so the adjuster can match them to the claim. This step speeds up the process.
Keep copies of all estimates and contracts
You give your adjuster copies of any estimates and signed contracts. The adjuster uses these to show the insurer fair costs. You hold onto originals.
Understand temporary housing coverage
You check if your policy covers living expenses if you cannot stay in your home. You keep hotel and food receipts. You include these in your claim.
Keep kids and pets comfortable during the process
You create a safe space with favorite toys and blankets. You explain the situation in simple words. You show them photos and reassure them.
Keep speaking kindly to neighbors and helpers
You thank people who help you. You share important contact information with neighbors if needed. Community cooperation helps recovery.
Watch out for scams after a storm
You do not trust strangers who ask for cash up front to fix your house. You ask for licenses and written contracts. You verify any contractor with local licensing boards.
Use simple record labels for your files
You label folders by dates, photos, and receipts. You keep the file where you can find it fast. You back up key files digitally.
Use this immediate action checklist
| Action | Why you do it |
|---|---|
| Check for injuries | Keep people safe |
| Call 911 if needed | Get emergency help |
| Take photos and video | Prove damage for claim |
| Call your insurer | Start your claim |
| Call Otero | Get expert public adjuster help |
| Make temporary repairs | Stop more loss |
| Keep receipts | Prove expenses to insurer |
| This checklist gives you simple steps to follow. |
Common questions homeowners ask after a tornado
You ask: Will the insurer pay for my roof? You ask: Will temporary housing be covered? You ask: Do I need a public adjuster? These are good questions. You get clear answers with help from Otero.
When to call Otero for help
You call Otero right after you document damage and report the claim. You call Otero if the insurer’s offer seems low. You call Otero if you want a professional to handle the claim.
How Otero works with Florida rules and claims
Otero knows Florida insurance practices. Otero knows local building costs and rules. You get help that suits Florida homes and roofs.
Keep your roof and home records for future claims
You keep photos of your home before the storm if you have them. You keep previous repair receipts and permits. These records help support your claim.
Handle disputes with calm and facts
You keep notes of every conversation. You present facts and photos. You let your public adjuster speak for you in formal discussions.
Prepare for the long run
You know some repairs take time. You save important bills and records. You follow up with your adjuster and the insurer regularly.
How a public adjuster speeds up recovery
You let the adjuster handle time-consuming work. The adjuster files paperwork and gets estimates. The adjuster talks with the insurer to seek full payment.
Why you should not sign a final release until you are sure
You read a final release very carefully before you sign. A release can end future claims for the same loss. You consult your public adjuster if you do not understand.
Keep a calm voice and steady notes during calls
You speak plainly and slow. You write down key words and names. These notes stop confusion later.
Be ready for multiple inspections
You expect the insurer and the public adjuster to inspect your property. You expect contractors to look as well. You make the area safe and accessible for inspections.
Use a simple file naming method for digital photos
You use date and location words in each photo name. You email photos to your adjuster and insurer. Digital files last longer than paper.
What to do if you live in a mobile home
You move to a safe place if your mobile home looks unsafe. You photograph the chassis, tie-downs, and structural damage. You call your insurer and your public adjuster as soon as you can.
Replace locks if keys are lost or stolen
You change locks if you worry about safety. You keep the receipt to add to your claim. You tell your adjuster about the lock change.
Use simple language when you ask for help
You say: My roof blew off. I need help with my claim. You give dates and simple facts. This helps your adjuster and insurer.
Keep hope and patience together
You may feel tired and upset. You keep hope but you prepare for many steps. You get help from friends, your public adjuster, and local responders.
Final reminder: act fast, document well, and get help
You check for safety first. You document damage with photos and notes. You call your insurer and a public adjuster like Otero Property Adjusting & Appraisals for expert help in Florida. Otero performs a free initial inspection and helps you get what your policy allows. You do not pay Otero until you receive payment.
Quick reference: Otero Property Adjusting & Appraisals
- Address: 3105 W Michigan Ave, Pensacola, FL 32526
- Phone: (850) 285-0405
- Website: https://oteroadjusting.com/
You call Otero to get a professional public adjuster who will advocate for you. You protect your home and your claim by working with an experienced team in Florida.
If you keep to these steps, you will protect your family and your home. You will document the loss. You will work with experts who help you recover and get the insurance money you deserve.
