Disaster Resources

Focus on safety first. Avoid damaged structures, downed power lines, and standing water. Once safe, begin documenting all damage with photos and videos before starting cleanup.

As soon as possible.
Start a claim early, get a claim number, and ask what steps they expect you to take before cleanup or repairs.

No—but you need to be smart about it.

You are expected to prevent further damage (like removing water), but you should document everything first and avoid throwing away major items until approved.

• Photos of all affected areas (wide + close-up)
• Water lines and structural damage
• Damaged belongings
• A written list of losses
• Receipts for anything you buy (supplies, lodging, etc.)

It depends on your policy:

• Flood damage is typically NOT covered under standard homeowners insurance (requires flood insurance/NFIP)
• Tornado/wind damage is usually covered

Always confirm directly with your insurance provider.

Not immediately.
Take time to:

• Get multiple opinions
• Verify credentials and insurance
• Avoid high-pressure “storm chaser” contractors

Out-of-area contractors who show up after disasters and pressure quick decisions.
Avoid by:

• Not signing contracts on the spot
• Checking reviews, licensing, and references
• Being cautious of large upfront payments

Within 24–48 hours to prevent mold and additional damage.
Fans, dehumidifiers, and removing wet materials are critical.

It depends:

• Porous items (carpet, drywall, insulation) may need removal if contaminated
• Don’t throw away major items until documented and approved by insurance

Do not enter.
Contact local emergency services, building inspectors, or your municipality for guidance.

Local emergency management offices can provide assistance but they are often overwhelmed during a disaster. 

Visit these sites for valuable information following the storm:

United Way 211 Resources Database:

Rock County Flood & Tornado Recovery:

Rock County Emergency Management: 

WI Office of the Commissioner of Insurance: 

Other valuable resources:

• ReadyPoint Strategies
• 211 - United Way: Can connect you with a variety of resources available.
• The Salvation Army - Free flood clean up kits available.
• American Red Cross
• Local Government - Public Health, City Emergency Management, Crisis
• Insurance agents and adjusters
• Community shelters and assistance programs
• Churches
• ECHO - Janesville
• Rock Co Crisis Intervention - Open 24/7: 608-757-5025
• Rock County ADRC - Aging & Disability Resources: 608-741-3600
• Caritas - Beloit

• Prioritize critical operations first
• Communicate with employees and customers
• Document all downtime and losses
• Consider temporary relocation if needed

• Not documenting damage before cleanup
• Throwing items away too soon
• Hiring the first contractor they meet
• Waiting too long to start drying
• Not tracking expenses

Yes.
If you’re unsure what to do next, getting professional guidance early can prevent costly mistakes and delays in recovery.

ReadyPoint Strategies is offering free 15 minute disaster recovery guidance sessions for Rock County residents and businesses.
Message to schedule.