A practical place to start
What should I do next?
Get a short checklist for your situation, useful worksheets and the right Hillis contact.
If anyone is in immediate danger, call local emergency services (911 in the U.S.). Follow local emergency instructions. Do not enter an unsafe building, climb onto a damaged roof or handle electrical, gas or structural hazards to document a loss.
General preparation guidance, not a coverage decision, legal advice or a guarantee of payment. Duties, deadlines and coverage depend on your policy and location. This guide does not report a claim to your insurer or engage Hillis to represent you.
Further guidance
FEMA / NFIP: Document flood damageNOAA: Prepare before hurricane seasonMaryland Insurance Administration: After a lossReviewed October 23, 2026. State-specific resources do not establish requirements in other states.