An aerial view of damaged houses are seen after Hurricane Helene made landfall in Horseshoe Beach, ... [ ] Florida, on September 28, 2024. (Photo by CHANDAN KHANNA / AFP) (Photo by CHANDAN KHANNA/AFP via Getty Images)

In the wake of Hurricane Helene, individuals and businesses face the daunting task of rebuilding their lives. Recovering after a hurricane is not just about repairing physical damage; it's about finding stability in the chaos that remains. Drawing from my experience with disaster recovery, here are five strategies to help you regain your footing after a catastrophe.

After ensuring everyone is safe, the first step is to take stock of what’s covered under your insurance policy. Homeowners, renters and business insurance will each play a crucial role in how you begin to rebuild. Unfortunately, too many people discover post-disaster that their coverage isn't sufficient. It’s essential to carefully document damage through photos and video, making claims as detailed as possible. Many survivors, including those affected by Hurricane Helene, may face hurdles due to outdated risk assessments and systemic issues that lead to underinsured communities. Consulting a professional to help with claims can streamline the process. Fortunately, there are many pro bono sources to help.

Disasters often force people out of their homes, sometimes permanently, and finding a way to live and work during this interim can be one of the toughest challenges. Depending on the level of damage, the recovery phase can last from several months to many years. During this time, the need for temporary housing, remote work arrangements or even maintaining dual residences can become a necessity. Flexibility in living arrangements and working methods is key to managing this prolonged period. It’s........

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