Ag Producer&#39;s Recovery Journey

Consider Purchasing Flood Insurance Immediately After a Fire

After a fire, areas that do not normally flood can flood more easily. Only flood insurance covers flood damage and fires can leave you much more vulnerable as rain that falls on burned areas, where water moves much more quickly, can be more damaging, and can carry debris that leads to flooding in areas that may never have flooded before.

Most standard insurance policies do not cover flood damage, regardless of whether flooding was made worse by recent fires. Strongly consider flood insurance to protect your homes and assets before a weather event occurs and it's too late - this can happen days to years after a fire.

It typically takes 30 days for a new flood insurance policy to go into effect. If however, a flood is caused or worsened by a wildfire on federal land and you buy a policy within 60 days of the wildfire containment date, that time is reduced to a one-day waiting period. Acting quickly to get a policy through the National Flood Insurance Program (NFIP) can help you be prepared and avoid costly flood losses.

Building coverage and contents coverage are typically purchased separately and have separate deductibles.

Resources

Identify and Register for Immediate Assistance

If your home, property, or income was impacted by the disaster, you may qualify for temporary assistance. This support can help with housing costs, minor home repairs, temporary lodging, food, medical care, or replacing important items.

If you’re not sure whether you qualify, it’s important to apply so you don’t lose out on resources to help you recover. Many programs have short deadlines and may help with needs not covered by insurance, which can add up over time.

Many different organizations may provide aid after a disaster that can help with different kinds of needs. Some assistance is available quickly, while other assistance can take weeks, months, or even longer to be stood up. Assistance is disaster dependent and may come from a mix of organizations including non-profits, philanthropic organizations, local, state, and federal government, etc. Whether and when federal assistance is available for certain disaster events depends on the amount and type of documented damage and decisions by different entities (e.g the President related to FEMA programs, Congress related to Department of Housing and Urban Development programs, and other federal agencies (like Small Business Administration for their programs)).

Some of the most widely used sources of support include:

2-1-1: A statewide resource that tracks currently available resources, especially in the hours and days following a disaster and can help you navigate to active disaster-specific resources, though they do not provide direct financial support to survivors. You can call or visit their website to get real-time information about available resources.
Colorado Voluntary Agencies Active In Disasters (COVOAD): A network of non-profits that helps coordinate direct support to disaster survivors immediately following disasters. Resources often include information, food, water, and volunteer time to help people clean up their property.
American Red Cross: Provides emergency shelter, meals, basic supplies, and sometimes direct financial assistance.
Community Foundations: Local community foundations may help coordinate philanthropic and other donations and then grant those donations to disaster survivors and disaster-specific recovery programs. Check your county’s official source of information for the disaster to find out if a foundation or relief fund has been established.
Colorado Division of Homeland Security and Emergency Management (DHSEM): Helps coordinate local and state-level recovery programs, including the Colorado Department of Human Services (CDHS) that may be able to connect survivors with state resources and additional support beyond federal aid.

For agriculture-specific resources, see the Colorado Department of Agriculture (CDA) Agriculture Emergency Programs and resources and the CSU Extension Office resources for disaster recovery. Federally for agriculture, the USDA has a range of disaster assistance programs, including livestock assistance, farm loans, farmland damage, and crop losses programs.

Additional programs may be specifically authorized on a case-by-base basis for large scale disasters. The two largest federal programs for immediate needs that can directly support disaster survivors include:

FEMA Individual Assistance (IA): This program is only available when the President authorizes FEMA IA, program by program, specifically for the disaster you experienced. When authorized, this program can help people cover essential needs not paid for by insurance. The programs are limited and meant to help with specific needs and are not intended to make individuals whole for their damages. These are not loans—you don’t have to pay back the assistance. For qualifying individuals based on your specific circumstance, FEMA IA may be able to help with:

Serious Needs Assistance for immediate, essential items like food, water, diapers, and medicine.
Housing Assistance for lodging or hotel assistance, rental assistance, and limited assistance repairing/replacing a primary home to a baseline viable condition (e.g. repairing windows or plumbing to make your home safe to live in, not restoring to pre-disaster conditions).
Other Needs Assistance (ONA) disaster-related expenses not covered by insurance like transportation, personal property, medical/dental, funeral and burial, child care, moving and storage, and cleanup items.
Other Individual Assistance programs include crisis counseling, disaster legal services, recovery navigation assistance and other assistance.

Small Business Administration Disaster Assistance: These programs provide low-interest, long-term disaster loans to businesses, nonprofits, homeowners, and renters in declared disaster areas to repair, replace, or recover from physical and economic losses. This assistance is available when authorized by the Small Business Administration on a case-by-case basis but does not require a presidential Major Disaster Declaration. Unlike some other assistance, these are loans and not grants and have to be repaid. For qualified entities, SBA may be able to help with:

Home and Personal Property Loans for homeowners/renters to replace personal property (e.g., clothing, furniture, cars) and for homeowners to repair/replace primary residences
Mitigation Assistance increases loan amounts to fund improvements that prevent future damage to property
Economic Injury Disaster Loans (EIDL) provides working capital loans for small businesses and nonprofits that suffered financial losses
Business Physical Disaster Loans for small businesses and most private nonprofits to repair or replace real estate, machinery, equipment, and inventory damaged in a declared disaster.

Resources

View Immediate Assistance Resources

Actions to Help You Qualify for Assistance

You will talk to a lot of different people during your recovery journey and you may be told things that you want to prove or reference later on so make sure you get everything in writing. If you lose the paperwork you get from agencies and groups that help you, you can usually get it replaced, but it may slow your ability to get funds down the road. Be careful to get everything in writing and keep those documents safe.

Keep copies of all receipts in a safe place and take notes about what the purchase was for, if it isn’t clearly spelled out on the receipt. Taking pictures of all receipts lets you keep a backup copy and saving them in a dedicated folder can make them easier to find later.

Establish a mailing address for official mail and documentation if your primary address is unable to receive mail.

Step 1.3: Document Property and Agricultural Damage

After a disaster, it’s important for agricultural producers to safely assess their land, structures, equipment, and operations. These early steps will support insurance claims, loan applications, and recovery assistance.

Inspect Property for Safety Before Re-entry

Agricultural properties often include structures, machinery, chemicals, and animals, all of which can pose hidden risks after a disaster. Taking time to inspect your property can protect your health and avoid setbacks during recovery.

Conduct a full safety check

Before entering your home, barns, silos, or outbuildings, wait for local authorities to confirm that it’s safe to return to your area or any compromised structures.

Your local government will have a process to inform you of re-entry status and communicate that via the local emergency management office, the Disaster Assistance Center (DAC), or local government channels (see the “Sign Up for Emergency Communications and Updates” section above). If you’re cleared to return, do not rush and keep children and pets away from potentially hazardous parts of your property. Walk the perimeter of your property first. If anything looks unsafe, do not go inside—leave and contact emergency services or a professional inspector. Farm structures may look intact but could be weakened (i.e. roofs may sag, walls may lean, or foundations may shift).

Use extreme caution when approaching grain bins or confined spaces, as these can be especially dangerous if structural integrity has been compromised.

Bring a buddy or partner, flashlight (not candles or lighters), hard soled boots, gloves, and a mask to protect from possibly hazardous air. Open doors carefully and check ceilings and walls for cracks, bulging, or shifting. Stay clear of unstable areas, sharp debris, and any items that look wet, moldy, or chemically damaged.

If you’re unsure whether a part of your property is safe, step back, refer to resources on safety and hazardous conditions, and ask for help. Disasters can create hazardous materials and debris, including concerns with mold, air quality, toxics and other health concerns. You may have to sort or separate debris into different categories or "types" for removal. For additional information on sorting and handling debris and potentially hazardous materials, see the “Remove Debris and Cleanup Property” portion of this section below.

Handle utilities with caution

Don’t try to reconnect electricity or gas yourself. If you suspect damage, contact your utility provider.

Electrical systems exposed to water can be especially hazardous, and sewer lines or septic systems may back up or overflow.

If you need temporary shelter on your property, choose a room or structure that is dry, ventilated, and inspected for safety.

Assess the safety of your water supply

If you rely on a private well, it may have been contaminated by floodwater, debris, or chemicals. Look for changes in smell, taste, or color, and do not use the water until it has been tested by a certified lab. In the meantime, use bottled water for drinking, cooking, washing, and for animals. If your water system is part of a shared irrigation or livestock supply, alert neighboring producers and coordinate with your extension office or USDA representative.

Check with your county public health department if you have questions on water safety.

Check for smoke, ash, and soot damage

Smoke can penetrate walls, fabrics, and ventilation systems, leaving behind harmful residues. Be especially cautious around stored feed, hay, or grain, which may be contaminated and unsafe for animal use. Wear an N95 mask and gloves during cleanup, and avoid dry sweeping or using standard vacuums, which can release particles into the air.

Look for mold and check air quality

These are also major concerns, particularly if buildings experienced flooding or heavy moisture. Mold can grow quickly in hay storage, feed rooms, and insulation, even if not immediately visible. Poor air quality caused by mold, soot, or moisture buildup can lead to respiratory problems for both people and animals.

If it's safe to do so, ventilate enclosed spaces by opening windows and running fans—but only if the power has been deemed safe to use. If mold is widespread, seek help from a licensed remediation professional.

Resources

View Safety Resources

Contact Your Insurance Provider and Document Damages

Now that you're back on the property, it’s time to reconnect with your insurance provider and begin assessing damage across your operation—including buildings, equipment, crops, and livestock. Early contact helps you understand your coverage, meet critical deadlines, and begin the claims process without delay.

Requesting a Full Copy of Your Policy and Review it for:

What types of losses are covered (e.g. crop, livestock, structures, equipment, fencing, feed)
Any exclusions, coverage limits, or deductibles that apply
Required documentation, reporting deadlines, and whether pre-approval is needed for certain repairs or replacements

Typical Agricultural Property Coverage May Include:

Structural damage to barns, sheds, silos, fencing, and other outbuildings
Loss or damage to machinery, tools, irrigation systems, or stored materials (e.g., hay, seed, feed)
Livestock mortality due to disaster-related injury or exposure
Crop loss from wind, hail, flood, or fire—if crop insurance or endorsements are in place
Debris removal and emergency repairs to prevent further losses
Temporary relocation costs for livestock or operational equipment

Before making any repairs, contact your insurance provider to confirm what qualifies as emergency repair work. Keep receipts for any emergency repairs that are completed. Some policies require approval for non-urgent repairs or replacements in order for costs to be reimbursed.

Documentation You May Need

To support your insurance claim and expedite processing, prepare the following:

Written estimates from licensed contractors, veterinarians, or service providers
A detailed inventory of damaged or lost property, crops, or animals—including item descriptions, estimated values, and damage notes
Time-stamped photos and videos of affected areas before cleanup or repairs begin
Receipts for any emergency repairs, boarding fees for relocated livestock, or veterinary treatment following the disaster
Vet records, vaccination histories, or brand/tag IDs for lost or deceased animals

Whether you file a claim can be dependent on your specific circumstances. If you haven’t made this decision at this point, see the Notifying Insurance in Section 1.2 above.

Best Practices for Working with Your Insurance Provider

Get Instructions in Writing: Ask your adjuster to email you claim numbers, deadlines, documentation requirements, and any approvals for repairs or replacements.
Track All Communication: Keep a log of every phone call, email, or meeting. Record names, dates, times, and a summary of what was discussed.
Clarify Repair Limits: Confirm what work you can begin immediately and what requires advance authorization to be eligible for reimbursement.
Organize Your Records: Save all receipts, estimates, photos, inventories, and correspondence in one secure, easy-to-access place—both digitally and on paper.

Resources

Assess and Document Property, Agriculture, and Livestock Damage or Loss

Documenting Property and Equipment Loss

Once your property has been cleared for re-entry, it is important to assess and document all physical damage. Thorough documentation helps you file insurance claims, apply for state or federal assistance, and avoid delays in the recovery process.

What to Document

Walk your entire property and inspect all agricultural structures: barns, silos, fencing, shelters, sheds, garages, and storage buildings.
Check irrigation systems, wells, pumps, electrical hookups, and generators—especially if they are submerged, disconnected, or visibly damaged.
Document damage to machinery and equipment, including tractors, harvesters, sprayers, planters, hand tools, and small engines.

How to Document Property and Equipment Loss

Create a Written Inventory: List each damaged item individually, including as much detail as possible:
- 1. Name and description of item, including brand, model number (if available), and approximate value
  2. Description of damage type and extent (e.g., “rusted engine from flood exposure” or “wind-damaged roof with full collapse”)
  3. Estimate replacement or repair cost—even if it’s a rough figure, it can be updated later

Take Time-Stamped Photos

- Begin with wide shots to show overall context and structural impact
- Follow with close-up images from multiple angles that show the extent of damage
- Include photos that show scale (e.g., standing water inside a building or roof debris on machinery)
- Taking videos can also be helpful and capture some of the disaster impacts that might get missed or can be harder to capture in still photos.

Best Practices

- Start as soon as it’s safe—before moving, cleaning, or repairing anything, in order to document full extent of damages
- Use digital tools or paper to back up records in multiple formats
- Store records in a waterproof, portable folder
- Include receipts, ownership documents, service logs, or pre-disaster photos if available

Documenting Agricultural Loss (Crops, Feed, and Land)

In addition to physical damage, you may experience significant crop, feed, or soil losses. These need to be documented separately to meet the requirements for crop insurance, USDA programs, and potential state-level disaster recovery funding.

What to Document

Crop loss due to flooding, fire, wind damage, or contamination (including chemical exposure or sediment)
Erosion, standing water, or silt accumulation that affects planting, grazing, or harvesting
Spoilage of feed, seed, hay, or harvested goods—whether due to water damage, mold, or lack of climate-controlled storage access

How to Document Agricultural Loss

Create a Field and Product Inventory
1. 1. Note each field or affected area by location and crop type
  2. Include estimated acreage affected and visible signs of damage

Example: “15 acres of soybeans flattened by wind; 3 acres flooded for 72+ hours; 2 tons of hay saturated and mold-prone”

Take Photos That Show Scale and Detail
1. 1. Use time-stamped photos from both ground and elevated angles if possible
  2. Capture erosion, plant discoloration, water pooling, fire damage, or rotting feed/hay
  3. Photograph labels or lot numbers on damaged seed or fertilizer
Use Pre-Disaster Data for Comparison
1. 1. Yield maps, planting dates, crop scouting notes, and harvest projections can strengthen your documentation
  2. Add moisture or soil test results if contamination is suspected

Documenting Livestock Loss and Animal Impact

Livestock losses and injuries can have long-term effects on your operation. Whether the loss is due to injury, exposure, disease, or displacement, accurate records are essential for insurance and USDA programs like the Livestock Indemnity Program (LIP).

What to Document

Total number and type of animals lost, with location details (e.g., “25 head of cattle lost in south pasture due to floodwaters”)
Injuries or health issues such as burns, hoof rot, respiratory distress, trauma, or stress-induced illness
Displaced or missing animals with identifying information—such as brands, tags, tattoos, or microchips

How to Document

Written Animal Loss Log
1. Record the species, age category, breed, and total number of animals lost or injured
2. Include the location where the loss occurred and the suspected cause
Take Time-Stamped Photos (If Safe):
1. Photograph deceased animals in place before removal
2. Take photos of damaged pens, shelters, fencing, or other hazards that contributed to the loss
3. Follow local and state guidance for the safe and legal disposal of animal carcasses
Track Medical Care and Treatment:
1. Keep copies of veterinary records, treatment notes, and medication receipts
2. Document any emergency care provided on-site or at a clinic
Report to Appropriate Agencies:
1. Notify your insurance carrier, local extension office, state veterinarian, and/or USDA Farm Service Agency
2. Prompt reporting may be required for reimbursement or eligibility under LIP or Emergency Livestock Assistance Programs (ELAP)

Best Practices

Use a consistent format for logging animal information
Back up all records digitally and physically
Update records if missing livestock are recovered or if further losses occur due to delayed injury or stress
Include pre-disaster health records if available to show the condition of your animals before the event

Make Emergency Repairs

To prevent further damage and protect the health and safety of your family, workers, and animals, you may need to complete small emergency repairs. If you plan to file an insurance claim or apply for disaster assistance it’s important to remember that while your insurance may require that you make repairs to avoid more damages (e.g. preventing water from getting in through a damaged roof), fixing too much too soon could also impact your eligibility. Work with your insurance to understand what is expected and allowed based on your policy.

Emergency repairs are meant to make your property safer—not to fix everything or rebuild. Focus only on essential actions that address immediate health and safety risks. Examples include:

Tarping a damaged barn or shed roof to keep out rain
Boarding up broken windows or doors in your residence or key structures
Clearing fallen trees or debris that block roads, fencing, or animal enclosures
Pumping out floodwater from equipment storage or livestock areas
Turning off damaged gas, water, or electric systems to prevent further harm
Covering exposed wiring or patching holes that could injure people or animals
Mend fencing and enclosures and assess whether facilities are safe to bring animals back

Be careful not to complete major repairs before speaking with your insurance provider or a disaster case manager. Over-repairing too early may affect your eligibility for assistance or reimbursement later on in the recovery process.

Safety First

Never attempt to repair gas lines, electrical systems, or septic/sewer lines unless you’re licensed and trained to do so. Improper repairs can be extremely dangerous and may complicate inspections or recovery funding down the line. If you suspect a leak or see signs of damage, shut off utilities at the source and call your utility company immediately. Before restarting water heaters, HVAC units, or generators that were exposed to fire, flood, or wind damage, have them professionally inspected.

Keep Records of All Work

For every emergency repair you complete—whether it's on your residence or farm infrastructure—take time-stamped photos before and after, write down what was done, and keep all receipts and material invoices. This documentation may be required when applying for insurance reimbursement, FEMA aid, or agricultural disaster relief programs.

Taking careful, well-documented action now helps ensure that you stay eligible for future support—and keeps your farm operation and home environment safer as you move forward.

Voluntary organizations may be active and willing to help with emergency repairs. When getting help from others, whether volunteers or contractors, reference the Ongoing Recovery “Step 3: Decide How to Complete the Work” section for guidance on working with contractors, volunteers, and avoiding getting scammed.

Actions to Help You Qualify for Assistance

Remember when making emergency temporary repairs that emergency work often needs to be replaced with more permanent repair or replacement work. This means that while emergency permits or permit allowances may be put into place immediately following a disaster, cities and counties will likely expect individuals to complete permitted work.

As with all parts of recovery work, documentation is important and the more detailed official paperwork, photographs, and receipts you have, the easier it will likely be later on to prove what you spent, who you paid, and what work was completed. This is often important for being reimbursed or proving how you spent recovery funds to prove it is a cost allowed by the insurance policy or program for reimbursement, which usually have limitations on what types of costs they will cover.

Remove Debris and Cleanup Property

After completing emergency repairs to your home, barns, or outbuildings, the next step is to begin clearing debris from your land and structures. This step is essential to protect your health and prevent further damage.

Cleanup should only begin after you’ve thoroughly documented the damage.

Debris removal can be overwhelming as you may have to navigate a complex network of laws, rules, and requirements from local, state, federal and insurance companies, depending on the extent of the damage. These requirements are designed to keep you and those around you safe and to avoid creating another hazard later.

Taking a careful and organized approach—starting with safety and following local guidelines—will help ensure the process goes smoothly and doesn’t affect your ability to apply for insurance or disaster assistance later.

Debris can be dangerous or hazardous to you and those around you. Be sure to protect yourself and anyone working on your property with appropriate personal protective equipment and follow guidance specific to the event (see “Sign up for Emergency Communications and Updates” above).

All debris must be disposed of properly, including following any laws and rules for potentially hazardous waste.

If you are overwhelmed or think you need help with debris removal efforts, that is normal and you may want to hire professionals to help. Please refer to local disaster-specific guidance to learn more about what resources and coordination are available to you (see “Sign up for Emergency Communications and Updates” above).

Create a Cleanup Plan

Before starting, contact your local city or county permitting offices and find out if they require debris removal permits (see below for Quotes and Permits guidance).

Consider whether you want to hire a remediation company to conduct debris removal, do the work yourself, or work with voluntary organizations, if they are active in your area. For substantial removal projects, especially if damages will be covered by insurance, working with a remediation company may be recommended. A remediation company will document, take photos and store items, if necessary. They will also ensure items that can be cleaned are sent out for cleaning. Regardless of who completes the work, for any insurance claim the insurer needs to be aware of what is damaged, what can be restored, and what should be discarded, so this information needs to be carefully documented.

Write a simple plan for how cleanup will be done. Mark which areas of the property are safe to enter and decide what needs to be removed first—often wet or mold-prone materials. If you’re working with volunteers, neighbors, or a hired crew, outline what will be done each day and who is responsible. Make sure you and anyone helping you have appropriate personal protective equipment and follow safety guidance from local emergency management and public health professionals (see below). Having a plan helps prevent injury, confusion, and accidental loss of needed documentation.

Find out if there is local coordination happening and take advantage of opportunities to set debris on the curb if there are coordinated pickup events. Have a plan for how to appropriately get rid of potentially hazardous or toxic debris following state and local debris management requirements (see Sort and Organize Debris below). Refer to state CDPHE hazardous materials resources for guidance and check to see if your local government has instructions specific to the disaster you’ve experienced or your community. Avoid sending materials to landfills that are not allowed and instead take them to the appropriate place, like a household hazardous waste disposal facility.

When getting help from others, whether volunteers or contractors, reference the Ongoing Recovery “Step 3: Decide How to Complete the Work” section for guidance on working with contractors, volunteers, and avoiding getting scammed.

Start with Personal Safety

Debris can contain sharp objects, chemicals, mold, asbestos, lead, and unstable materials. These hazards can cause unseen, permanent damage to you or those around you if they are not properly handled. Always wear protective clothing, including gloves, sturdy boots, long sleeves, and a mask or respirator—especially if mold, dust, or soot are present. If the area is dark or unstable, work during daylight hours and use a flashlight when needed. Avoid entering rooms with standing water, visible electrical hazards, or sagging floors, walls and ceilings. (See the “Inspect your Property for Safety Before Re-Entry” section above for additional details and resources.)

Sort and Organize Debris

Separate debris into clear categories such as:

Structural Materials (barn wood, fencing, roofing)
Agricultural Waste (spoiled feed, bedding, animal carcasses)
Equipment and Machinery Parts
Hazardous Materials (pesticides, fuel, chemicals)
Household Items (if your residence is on-site)

Proper sorting supports safe disposal and aligns with state and county regulations.

Contact your local agricultural extension office or waste management provider to confirm how each type of debris should be handled.

What to Do with Damaged Items

Depending on the items and damages, decide what can be cleaned, what can be restored, and what should be discarded.

Work with your insurance company to understand their expectations for documentation and preserving items. Only begin removing damaged items after you've taken clear, time-stamped photos or videos of anything of value that you might seek assistance or an insurance claim on including furniture, housewares, clothing, appliances, flooring, art, electronics, and anything else of value. If an item is too dangerous to photograph in place (like moldy carpet), take a photo immediately after removing it and note where it was located. Keep a written record of what was discarded, its condition, and where it came from.

Track Cleanup Costs

Save receipts for all costs including supplies, equipment rentals (e.g., skid steers, dump trailers), dump fees, fuel and transportation, tools, materials, and paid help. Even small costs like trash bags, gloves, or fuel may be reimbursable or required for future assistance. Keeping good records now will help you avoid delays later on if you apply for recovery support. As often as possible, take clear photos of your receipts and save them to your phone or computer – receipt ink can fade and you risk losing important information.

Also track all volunteer hours, including days worked, time worked, location, and activities, which can be used toward demonstrating and justifying in-kind costs to support counting their time toward your recovery costs. These costs may be required to be documented to be accepted for insurance claims, Farm Service Agency (FSA) programs, or other forms of agricultural disaster assistance.

Taking time to clean up methodically—and keeping strong documentation—will support your recovery, protect your eligibility for aid, and help you rebuild with confidence.

Resources

View Property Cleanup Resources

Get Necessary Quotes and Permits

Before any repair work begins, whether it’s done by a licensed contractor, a neighbor, or a volunteer team—make sure you have a written estimate.

The estimate should describe the work to be done, list materials, and include the expected timeline. If the labor is being donated or discounted, ask for the estimated value of the work to be included. This helps you track the real cost of your recovery and may be needed for insurance or assistance programs.

Contractors: If you’re working with a contractor, it is best to contact at least three licensed and insured professionals. Confirm the contractor is familiar with local permitting rules and look for contractors that have experience working on disaster repairs.
Neighbors or Volunteers: If you’re working with volunteer groups or neighbors, get a simple written description of what work will be done. Include the name of the person or group providing the help. Note whether you’re receiving donated labor, discounted materials, or borrowed equipment, this documentation can be very helpful when applying for assistance later and working with insurance. Always save copies of every quote or agreement, even if you don’t move forward with the work right away.
Self-completed work: If you are completing work on your own, carefully document your time and efforts but beware that some recovery assistance won’t count paying yourself in the same way as if you paid another person to do the work. If you use emergency assistance funds to pay yourself you may not be reimbursed for that work or may have to make up those funds later on.

Know What Work Requires a Permit

Many agricultural repairs or rebuilds may require local or county permits, even if you’re repairing your own land or facilities. Failing to get proper approvals can delay inspections, block future assistance, or result in safety risks. Before starting repairs, take the following steps.

Contact your city or county permitting office, even if you’re unsure whether a permit is needed.
Ask about permits for roof work, debris removal, electrical and plumbing repairs, demolition, or foundation repairs.
If you're working with a contractor, confirm they will obtain the proper permits
Keep copies of all permits, inspection reports, and approvals in your recovery file

Resources

Actions to Help You Qualify for Assistance

As you make decisions about your property, it’s important to remember that some actions will impact your ability to file insurance claims or get future recovery assistance. Make sure to do the following during this phase:

Create a detailed inventory of all property damage before beginning cleanup.
Take clear, time-stamped photos of damage inside and outside the home.
Limit repairs to emergency work that stabilizes the home or protects the health and safety of your household and livestock.
Keep written records of any assistance provided by volunteer groups, neighbors, or community members.
Obtain required permits before starting permanent repairs or rebuilding to ensure your work remains eligible for recovery funding.

Step 1.4: Contact Organizations

It’s important to contact the right agencies to report damage, protect your property, and ensure your recovery stays on track. Notifying these organizations early can help prevent delays and connect you with important services.

Banks, Lenders, and USDA Offices

It’s important to contact your financial institutions early—including banks, lenders, and USDA offices. These conversations can help you access relief options, protect your assets, and avoid delays in the recovery process.

Contacting Lenders

If your home, farmland, or ag structures were damaged, reach out to your farm credit provider, agricultural lending cooperative, or mortgage lender. Let them know about the condition of your property and ask if you qualify for payment deferral, forbearance, or emergency restructuring options.

If you plan to file an insurance claim, ask how insurance funds will be handled. In most cases, payments for structural repairs are made jointly to you and your lender and may require a specific release process.

Ask what documentation will be needed—such as contractor estimates, inspection reports, or permit approvals—and whether your loan includes a repair escrow. If you’ve misplaced your loan documents, check your most recent statement, contact your insurance agent, or review your credit report to locate your servicer’s contact information.

Contacting USDA Offices

Producers who participate in USDA programs should also notify their local Farm Service Agency (FSA) office. They can help you report losses and guide you through applying for federal disaster assistance. Depending on your situation, you may be eligible for programs like the Emergency Loan Program, Emergency Conservation Program (ECP), Livestock Indemnity Program, or forage loss assistance. FSA staff can also help you meet documentation requirements and stay on top of application deadlines.

Contacting Banks

Disasters often affect more than just your fields—they can also disrupt access to bank accounts, debit cards, automatic payments, and direct deposits. Contact your bank or credit union to report your situation. Let them know if you’ve lost access to financial tools or expect delayed income, and ask how to pause payments, waive late fees, or access emergency funds. If you’re receiving disaster assistance or insurance payouts, confirm the safest way to deposit or use those funds. Be sure to update your contact information if you’ve had to temporarily relocate.

Best Practices

· Keep a record of all communications, including names, dates, and key details.

· Get instructions and decisions in writing, especially for claims, deferrals, and USDA aid.

· Request your full insurance policy and confirm coverage, exclusions, and documentation needs.

· Photograph and document all losses before repairs—include crops, equipment, and structures.

· Clarify how insurance payouts will be handled, especially if a lender is involved.

· Contact your FSA office early to report losses and start applications—ask about deadlines.

· Monitor accounts for unusual activity, especially if you've lost checks or online access.

· Update your contact info with all institutions if you’ve relocated or changed numbers/emails.

Strong communication with your financial providers and USDA contacts can help ensure your operation recovers more smoothly and remains eligible for additional assistance as recovery programs become available.

Utility Companies

After a disaster, utility disruptions are common—and reconnecting or pausing services can be essential for both safety and financial relief. Contact your electricity, gas, water, internet, and trash and recycling providers to report damage, request billing adjustments, or ask about service restoration timelines. Many companies offer emergency support programs during declared disasters.

Electricity – Report outages and let your provider know if your home is unlivable. Ask about any inspections or approvals needed before power can be restored.
Natural Gas – Notify your gas company if your service was interrupted or appliances were affected. Request an inspection before resuming service and never attempt repairs or relight pilot lights yourself.
Water – If your system was damaged or touched by floodwater, or if service was interrupted, contact your provider to verify whether the water is safe for use. Follow any boil water notices or usage restrictions issued in your area.
Internet and Phone – If equipment was damaged or you lost service, ask about temporary suspension options, device replacement, or access to emergency internet programs.
Trash and Sanitation – Let your provider know if your property is unoccupied or if pickups were missed. Ask about modified collection schedules, debris removal programs, or drop-off sites for spoiled or damaged items.

Best Practices

Notify all providers of any change in occupancy or if you’ve temporarily relocated.
Keep written records of service status updates, confirmation numbers, and who you spoke with.
Request written instructions for inspections or reconnection procedures.
If you’re staying elsewhere, ask to pause billing or forward final bills to your new location.

Resources

View Utility Resources

Post Office

Many recovery updates—including insurance documents, benefit letters, and legal notices—will be sent by mail. If you’ve relocated, even temporarily, submitting a Change of Address ensures that critical communications reach you without delay.

If you’ve left your home, submit a Change of Address with the U.S. Postal Service (USPS) as soon as possible. You can do this online at www.usps.com, by phone, or in person at any post office. Be sure to provide both your old and new addresses and indicate whether the change is temporary or permanent.

If mail delivery is disrupted in your area, check with your local post office about mail holds or pickup options. In some cases, USPS may suspend delivery but allow residents to collect mail from designated locations.

Best Practices

Double-check that all government agencies, insurers, banks, and service providers have your updated mailing address.
Use a secure, consistent mailing address—even a trusted relative’s or P.O. Box—if your housing situation is still changing.
Ask your post office about extended mail forwarding or disaster-related options if you're unsure how long you’ll be away.
Keep a list of expected documents (e.g., insurance checks, FEMA notices) and track what you receive to avoid missing important deadlines.

Mail can be a key link to benefits, funding, and time-sensitive decisions—keeping it current helps protect your recovery timeline.

Family, Senior, and Disability Providers

After a disaster, it’s important to notify key organizations that can help meet the unique needs of your household. Families with children, older adults, and individuals with disabilities may rely on specialized services—so connecting with the right programs early can speed up recovery, reduce disruptions, and restore critical support.

For Families with Children

Contact your local school district for help keeping your child enrolled in school or transferring to a new one if you've moved. Don’t delay school re-enrollment, even if your housing is temporary—school staff can help restore routine and connect you to other local supports.
Notify your childcare providers of any changes in location or schedule, and ask if emergency care or financial assistance is available.
Keep your pediatrician or family doctor informed about changes in your child’s housing, behavior, or routine, and continue regular checkups and vaccinations.
Notify your primary care providers and any specialists of medication or treatment disruptions, and confirm where medical records and prescriptions should be sent.

For Older Adults

Notify your primary care providers and any specialists of medication or treatment disruptions, and confirm where medical records and prescriptions should be sent.
Contact your pharmacy to make sure you can access necessary medications—especially if your usual location is closed or unreachable.
The Area Agency on Aging (AAA) in your region can help with meal programs, in-home support, transportation services, and legal aid.
If you receive Social Security benefits, update your mailing address or direct deposit information with the Social Security Administration (SSA) as soon as possible to avoid payment interruptions.
Provide a point of contact for accommodation requests to assist through the process.
Plan to check in on a daily basis with their support network.

For People with Disabilities

Notify your disability case manager or support coordinator about any changes in location, medical needs, or daily routines.
Centers for Independent Living (CILs) can also provide valuable support, including advocacy, help with accessible housing, and guidance through the disaster recovery process.
If mobility aids or medical equipment were damaged or lost, contact your durable medical equipment provider to request replacements and ask about delivery options.
For school-age children with disabilities, reach out to your child’s IEP or 504 coordinator to make arrangements for continued support and classroom accommodations.
Provide a point of contact for accommodation requests to assist through the process.
Plan to check in on a daily basis with their support network.
Notify your primary care providers and any specialists of medication or treatment disruptions, and confirm where medical records and prescriptions should be sent.

Be sure to document any additional needs—such as transportation, home accessibility, language access, financial need, or communication tools—when applying for recovery assistance. This ensures your full situation is recognized and supported.

Resources

View Child Resources

View Senior and Disability Resources

Step 1.5: Replace Important Documents

The next step in your recovery is to begin replacing important documents that may have been lost or damaged during the disaster. These records are often needed to access assistance, verify your identity, and move forward with rebuilding.

Identification and Legal Documents

Identification or legal documents are often required to access recovery assistance, return to your home, verify your identity, and reestablish financial or legal services.

Start by making a list of what’s missing. Many survivors will need to replace one or more of the following:

Driver’s license or state ID 
Request a replacement online or at your nearest Colorado DMV office. You may need proof of identity and residence. Though you cannot set it up without a copy of your physical ID, if it is set up, you can use the contactless Colorado Digital ID through the myColorado app as a secure electronic version of your driver license or state-issued ID card as proof of identification, age and address within the state. It may not be recognized in all instances that require an ID, especially for federal assistance.
Social Security card 
Apply for a free replacement through the Social Security Administration. You'll need proof of identity, which can include a temporary state ID or certified birth record.
Birth certificate
 Request a certified copy from the Colorado Department of Public Health and Environment. If born in another state, check that state’s vital records office.
Marriage certificate 
Contact the county clerk’s office where the marriage license was issued. Most offices allow you to request a certified copy online or by mail.
Green card or immigration papers 
If your immigration documentation has been damaged, destroyed, or lost, reach out to your local immigrant serving nonprofit and consider working with an immigration lawyer. If you don't know where to begin, reach out to the Colorado Office of New Americans, which can help.
Passport
Report your passport lost or damaged to the U.S. State Department. Begin the replacement process by submitting Form DS-64 and Form DS-11 at travel.state.gov.
Tribal ID or documents 
Contact your tribal government office or enrollment department for instructions on replacing identification or membership records.
Court orders (custody, restraining orders, etc.) 
Reach out to the clerk of the court that issued the order. They can help you request official copies. Bring any identifying information you still have, such as a case number.

Many of these agencies offer emergency services during declared disasters, and some may temporarily waive fees. If you're unsure where to start, prioritize your most essential documents—usually your state ID and Social Security card—and ask a local official or shelter provider if you need help verifying your identity in the meantime.

Resources

Agriculture and Operations Documents

Restoring your farm operations starts with recovering key property and operational documents. These records verify ownership, establish eligibility for recovery assistance, and support your ability to rebuild, refinance, or resume production.

Property Deeds or Lease Agreements
Replace deeds for owned farmland, barns, greenhouses, silos, or processing facilities. If you lease any property, request a copy of your lease agreement from your landlord or management company. These documents may be required when applying for USDA programs, disaster assistance, or loans. If lost, request a copy of your property deed from your county recorder or clerk’s office.

Equipment Ownership Records
If any machinery or vehicles were damaged, you’ll need titles or proof of ownership for items like tractors, harvesters, irrigation systems, trailers, or farm trucks. These documents are important for insurance claims, asset verification, or replacement purchases.

Crop and Livestock Insurance Policies
Retrieve all policies related to crop insurance (through private carriers or USDA’s Risk Management Agency), Livestock Risk Protection (LRP), or Livestock Indemnity Programs. These policies are essential to filing timely claims and recovering eligible losses. If lost, contact your insurance providers and request replacement copies.

Conservation Program Agreements
If you participate in programs such as EQIP (Environmental Quality Incentives Program) or CRP (Conservation Reserve Program), replacing any lost or damaged contracts or agreements ensures continuity and compliance. If lost, contact your program and request replacement copies.

Water Rights, Grazing Permits, and Land Use Agreements
For producers relying on surface water or groundwater, water rights documentation is crucial. This includes state-issued permits or longstanding rights. If you operate on leased public lands, replace grazing permits or other land use agreements issued by the Bureau of Land Management (BLM), U.S. Forest Service, or state authorities, if they have been lost or damaged by contacting the relevant agency and requesting a copy. These are often required to maintain access and qualify for special recovery programs.

USDA Farm Number and FSA Documentation

Your USDA Farm Number links your operation to federal agricultural assistance programs. If you’ve lost the number or associated documentation, contact your local Farm Service Agency (FSA) office to recover it. You may also need to replace any forms related to acreage reporting, past participation in conservation programs, or disaster declarations.

FSA programs will require a minimum of the below to be on file, and additional documentation may be required for LLC’s, Trusts, partnerships, and other entities. The best way to complete this documentation is to contact the FSA office.

- Have farm records established with FSA, this can be done by turning in leases, permits, or deeds. Documentation must match how producers participate with FSA. (For example: Jackie Farmer receives payment for the entity “Farming LLC”. Those leases, deeds, and permits must be written for “Farming LLC,” not “Jackie Farmer.” Sub-leases may also be required.)
- AD-1026 Highly Erodible Land Conservation/ Wetland Conservation
- CCC-941 Adjusted Gross Income Form
- CCC-902 Farm Operating Plan

Having land records and entity documentation, if applicable, on hand can speed up the sign-up process.

Resources

Financial and Insurance Documents

After a disaster, you may need to recover key financial and insurance records to access support, verify income, confirm coverage, or manage loans and accounts.

Many property owners will need access to some or all of the following:

Bank statements or account numbers 
Contact your bank or credit union to request recent statements or account details. Many institutions offer secure access through mobile apps or online banking.
Credit or debit cards 
If your cards were lost or damaged, call your financial institution (bank, credit card company, etc.) to cancel the cards and request replacements to a deliverable address. Most banks can ship new cards quickly during emergencies.
Loan documents (home, auto, student, etc.)
Reach out to each loan servicer to request a copy of your loan agreement and balance information. This includes mortgage providers, auto lenders, and student loan servicers.
Income verification (pay stubs, tax returns)
Ask your employer or payroll provider for recent pay stubs. You can also access tax return transcripts from the IRS at irs.gov through the “Get Transcript” tool. Certain assistance programs will require income verification to assess program eligibility.
Insurance policies (auto, health, life, flood)
Contact each insurance provider to request copies of your policies and declarations pages. If you had flood insurance through the National Flood Insurance Program (NFIP), visit floodsmart.gov or call your insurance agent. These documents will be important as you advocate for what you are owed per the terms of your policies.
Retirement or investment account records 
Contact your retirement or investment company to get updated statements or access online portals. These may include 401(k), IRA, pension, or brokerage accounts.

Resources

Medical and Health Documents

Replacing lost or damaged medical records is important for continuing care, accessing prescriptions, verifying insurance, and maintaining benefits. This includes any health-related documents for yourself, your dependents, or individuals in your care with disabilities or medical conditions.

Common examples include:

Health insurance card or policy information 
Contact your health insurance provider to request a new card and verify current coverage. If your insurance is through an employer or the Colorado Exchange, they can help you access replacement information.
Vaccination records 
If your records were destroyed, check with your primary care provider, pediatrician, or state immunization registry for copies. Schools or pharmacies may also have copies on file.
Prescription information and pharmacy records
Call your pharmacy to request a list of active prescriptions and recent refills. They can also help you transfer prescriptions to a new location if needed.
Medicare or Medicaid cards
Request replacement cards by visiting ssa.gov for Medicare or colorado.gov/health for Medicaid services. If you need immediate proof of coverage, ask a caseworker or pharmacist for assistance.
Medical equipment prescriptions or device records 
Contact your healthcare provider or durable medical equipment (DME) supplier to request copies of prescriptions, warranty information, or service records for devices like CPAP machines, wheelchairs, or oxygen tanks.
Disability documentation or benefits paperwork
If you receive disability-related services or income (such as SSI, SSDI, or Medicaid waivers), notify your case manager or the Social Security Administration about your situation. Ask for copies of any paperwork that confirms your eligibility, diagnosis, or required accommodations.

Resources

Employment and Education Documents

Replacing school and employment records can help you maintain access to services, continue your education or career, and apply for assistance or job opportunities during recovery. These documents may also be needed to verify eligibility for programs that support working families, students, or individuals with disabilities.

Make a list of what’s missing or needs to be updated. Common documents include:

School transcripts or diplomas 
Contact the school district, college, or university that issued your records. Many institutions can provide electronic copies or send official transcripts directly to new schools or employers.
Professional licenses or certifications 
Reach out to the issuing board or agency for a replacement. In Colorado, many licenses—such as for teachers, nurses, or contractors—can be managed through online state licensing portals.
Employment records or pay stubs
Ask your employer or payroll provider for recent pay stubs or job verification letters. These can be used to prove income and employment status for disaster relief or housing programs.
Work-related tax forms (943, Schedule F, etc.)
Contact your employer or tax preparer for copies of your tax forms as an Ag producer or employee. You can also request transcripts of prior-year tax returns from the IRS at irs.gov using the "Get Transcript" tool. These forms may be required for financial aid, unemployment claims, or income verification.
Childcare or special education plans (e.g., IEPs or 504 plans) 
Contact your child’s school or education service provider to replace individualized education plans or accommodation records. These are critical for ensuring consistent support if your child enrolls in a new district or resumes services after a disruption.

Resources

Veteran and Military Documents

If you are a veteran, active-duty service member, or dependent, recovering your military records is important for accessing healthcare, benefits, and financial assistance.

Documents to gather or replace may include:

DD-214 (Certificate of Release or Discharge from Active Duty) 
This document is essential for proving veteran status. You can request a copy from the National Archives at archives.gov/veterans or contact your local VA office for assistance.
VA Medical Records or ID Cards 
Contact your nearest VA medical center to recover health records or request a replacement Veterans Health Identification Card (VHIC).
Military ID or Dependent ID Cards 
Visit your nearest military ID card issuing facility or use the RAPIDS appointment system at idco.dmdc.osd.mil to schedule a replacement.
Military Pay and Benefit Information
Log in to MyPay or contact the Defense Finance and Accounting Service (DFAS) to access your pay records or benefit details.

Resources

Immigration Documents

If you are an immigrant, refugee, or non-citizen resident, protecting and replacing your legal documentation is critical for maintaining your status and accessing benefits or services. If your immigration documentation has been damaged, destroyed, or lost, reach out to your local immigrant serving nonprofit and consider working with an immigration lawyer. If you don't know where to begin, reach out to the Colorado Office of New Americans, which can help.

Documents to locate or replace may include:

Green Card (Permanent Resident Card)
Work Authorization (EAD card)
Immigration Court Orders or Asylum Documentation
Travel Documents (Visas, Passports)
Contact your country’s embassy or consulate in the U.S. to request passport replacement. Work with an immigrant serving non-profit or immigration lawyer if your visa records are damaged or lost.

Resources

Child and Older Adults

Caregivers should prioritize replacing critical documents for children and older adults, as these are often needed for education, healthcare, and benefit programs.

For Children:

Birth Certificate 
Request a certified copy through the Colorado Department of Public Health and Environment or the vital records office in the child’s birth state.
Immunization Records
Ask your child’s pediatrician or school nurse. In Colorado, you can also use the CIIS Public Portal to view and print records.
School Transcripts or IEP/504 Plans 
Contact your child’s current or most recent school district. If you’ve relocated, school staff can request records directly from the previous school.
Childcare Enrollment Documents 
Reach out to your childcare provider to request a copy or confirmation of enrollment and services.

For Older Adults:

Medicare Card or Supplemental Insurance 
Request a new Medicare card at ssa.gov or by calling 1-800-MEDICARE. Contact any supplemental insurance providers directly for policy details.
Power of Attorney or Health Proxy Documents 
If the original was created through a lawyer, contact their office. If filed with a court, request a copy from the appropriate county clerk’s office.
Disability Benefit Records (SSDI, SSI, Medicaid waivers) 
Contact the Social Security Administration at ssa.gov or your case manager to request benefit verification letters or replacement paperwork.
Advance Directives or Living Wills 
If created through a healthcare provider, attorney, or hospital, request a duplicate from the issuing entity. Some documents may be stored in your medical records or state registry.

For both children and seniors, maintain a physical and digital copy of any document you replace. If someone in your care has a case manager, notify them about what’s missing—they can often help recover multiple records at once.

Resources

Animals and Livestock

Maintaining accurate records for all animals—whether livestock, pets, or working animals—is essential for recovery, animal health, insurance claims, and compliance with federal or state requirements. After a disaster, it’s important to begin restoring key documentation as soon as possible.

Vaccination and Health Records

Includes vaccinations for livestock (such as brucellosis, rabies, or bovine respiratory diseases), pets, and service animals. These records may also include TB tests, health certificates, or prescribed treatments.

How to replace: Contact your veterinarian, local extension office, or state department of agriculture. Many vet clinics and state agencies maintain digital records and can provide replacements.

Animal Identification and Registration

Includes livestock ear tags, RFID chips, branding records, and microchip registrations for pets and service animals. These IDs help track ownership, support insurance claims, and meet USDA or state reporting requirements.

How to replace/update:

Livestock: Contact your state’s brand inspection program or livestock board.
Pets/Service Animals: Visit your microchip provider’s website to confirm or update registration details.

Ownership and Movement Permits

Includes proof of ownership (e.g., brand registration, purchase receipts) and any movement or relocation permits required during evacuation. These may be needed for reimbursement or compliance.

How to replace: Contact your state veterinarian’s office, USDA APHIS, or livestock marketing association that issued the documents.

Pet Licensing and Service Animal Documentation

For pets and service animals, licensing may be required for them to be allowed housing or shelter access. Documentation for service animals may be needed for public access, housing, or travel.
How to replace:

Pet license: Reach out to your city or county animal control.
Service animal documentation: Contact the organization or healthcare provider that issued the certification.

Veterinary Records

These may include diagnostic history, medications, or notes on special care for any animal on your property.

How to replace: Contact your veterinary provider. If their office was affected, regional veterinary associations may help recover records or transfer care.

Resources

Ongoing Recovery

After your immediate needs are met, recovery enters a transitional phase. You may be living in temporary housing, making urgent repairs, or starting to assess damage to your home, land, equipment, or livestock.

This is the time to evaluate your options, work through insurance and assistance applications, and stabilize your operations. The following steps will help you stay organized and lay the groundwork for long-term recovery.

View Ongoing Recovery Checklist

Step 2.1: Make Decisions About Your Property and Operation

After documenting losses and addressing immediate needs, the next step is to make informed decisions about the future of your property and operation. These early choices will shape your recovery path and determine what assistance programs and financial strategies may apply.

Assess Operations

After a disaster, agriculture producers face a critical decision: how to resume operations in a way that is safe, financially viable, and that makes sense for your specific situation. This phase isn’t just about repairing what was damaged—it’s about making smart, informed choices based on what resources you currently have and what risks or opportunities exist in the months ahead. Taking time to evaluate your operational status can help prevent further loss, protect your long-term stability, and guide a more strategic recovery.

Start with a Ground-Level Assessment

Begin by assessing which parts of your operation are still functional and what your current capacity looks like. Can you access barns, fencing, irrigation systems, pastures, or crop fields safely? Do you have clean water, feed, seed, fuel, and usable equipment? How much labor is available? Look at your upcoming tasks—whether it’s planting, calving, harvesting, or herd movement—and ask whether those activities can proceed, need to be delayed, or should be scaled back. Also, consider your financial position: What can you reasonably repair or replace in the short term? Are you facing cash flow constraints, or do you have access to emergency funds or credit?

Minimal Damage

If your operation sustained minimal damage—such as a downed fence, minor debris, or small equipment issues—you may be able to resume work quickly with limited adjustments. Consider prioritizing essential repairs that restore animal safety and allow field access. You might need to reroute livestock, skip certain areas temporarily, or make small modifications to equipment or schedules. Even if the operation isn’t at full capacity, resuming work in a limited way can help stabilize income and maintain momentum. Keep records of all early repairs and input usage, and begin restocking any partially lost supplies—especially feed, seed, and fuel—so you're not caught short in the weeks ahead.

Moderate Damage

If your operation experienced moderate damage—such as partial equipment failure, widespread crop damage, or temporary loss of storage or housing—you may need to scale down or modify operations. This could include reducing the number of acres planted, temporarily selling off livestock, delaying planting or grazing cycles, or shifting your crop mix to lower-input varieties. Work with your local cooperative extension to reassess what’s possible this season. They can help you explore short-season crops, emergency forage, or alternative planting strategies. Communication is critical in this stage—be sure to update your employees, lenders, and suppliers so they understand what changes are being made and why. Scaling down for a time after a disaster doesn’t mean failure—it’s a practical way to preserve your resources while staying operational and being realistic about the additional work it will take to recover from the event.

Severe Damage

In situations where damage is widespread or total—such as destruction of barns or major equipment, contaminated land, or significant livestock loss—it may be necessary to pause operations temporarily. Rather than risk further loss or strain, consider focusing on stabilization. This could include boarding surviving animals off-site, fallowing damaged fields, or transitioning land to cover crops to prevent erosion. During this period, concentrate on documenting losses, applying for recovery assistance, and working with your ag lender or USDA to explore options for debt restructuring, operating loans, or cost-share programs. If restarting operations immediately isn’t feasible, use the downtime to build a phased recovery plan based on safety, financial capacity, and long-term goals.

Best Practices for All Producers

No matter the extent of the damage, several best practices apply across the board:

Communicate regularly with your team, ag partners, and financial institutions.
Keep detailed records of what decisions you’ve made and why—this helps with future audits, reimbursement, or claims.
Consult your cooperative extension office, crop advisor, or NRCS contact to evaluate options that match your land’s condition and market timing.

Finally, stay flexible. As recovery programs roll out, infrastructure is restored, or weather patterns shift, your operational outlook may change. Revisit your plan weekly and be willing to adjust based on what’s working—and what’s not. Recovery isn’t just about getting back to normal; it’s about building for your future with intention and resilience.

Resources

Assess Property

After a disaster, agriculture producers often face difficult decisions about whether to repair damaged property, rebuild structures, or relocate entirely—choices that can significantly impact the long-term sustainability and financial health of operations. This section addresses assessing your property, while the following focuses on evaluating financial considerations and identifying resources to move forward.

When assessing property, consider bringing in a licensed builder, structural, electrical and other relevant experts to help you assess the extent of the damages and necessary steps to ensure facilities are structurally sound and operationally functional, timelines, and cost estimates, if it is not clear.

Repair

Repairs may be the best path forward when your barns, fencing, equipment storage, or other agricultural structures are still structurally sound, damage is limited or localized, and repair costs are lower than rebuilding. Repairs can also allow you to resume critical parts of your operation more quickly.

What to Consider

Extent of Damage: If roofs, walls, or doors of barns and outbuildings are damaged but the overall structure is intact, repairs may be a cost-effective option.
Insurance Coverage: If your policy covers repairs but not full replacement, repairing may maximize your available benefits.
Operational Needs: If you're able to repair and safely resume animal care, planting, or harvesting activities sooner, repairs may help stabilize your income faster.

Steps to Take

Schedule a Professional Inspection: Have a licensed builder or structural expert assess barns, fencing, irrigation, outbuildings, and storage facilities for hidden damage or safety risks.
Prioritize Safety-Critical Repairs First: Address issues like downed electrical lines, broken fencing that compromises animal containment, or roof damage that affects stored feed or equipment. For repairs that may pose safety issues, especially electrical, make sure the work is done by someone with the appropriate training and expertise to do the work safely.
Get Multiple Estimates: Contact at least three contractors with experience in the needed repair. Ask for detailed, written quotes that include labor, materials, and timelines.
Check Permit Requirements: Some agricultural repairs—like structural roofing, electrical, or water system work—may require permits. Confirm with your local building or permitting office to avoid delays or disqualification from aid.
Maintain Thorough Documentation: Save all inspection reports, estimates, permits, receipts, and time-stamped photos. These records are critical for insurance claims, USDA programs, or future disaster assistance.

Rebuild

If your farm residence or operational buildings were destroyed or sustained major structural damage, rebuilding may be the best path forward. This is especially true when repairs would be costlier or unsafe over the long term.

What to Consider

Extent of Damage:
If your farmhouse, barn, or outbuildings have serious foundation damage, substantial electrical damage, partial collapse, or hazardous contamination (such as mold, asbestos, or agricultural chemical spills), rebuilding may be required for safety and functionality.
Code Compliance:
Rebuilding gives you the chance to meet updated building codes and incorporate safety features—such as floodplain elevation or wildfire-resistant materials—which may improve long-term resilience and insurability.
Cost vs. Long-Term Value:
While rebuilding can be more expensive upfront, it can reduce future maintenance costs, lower risk of damage in future disasters, and potentially increase property value.

Steps to Take

Consult Local Building and Zoning Officials:
Meet with your county or municipal building department and agricultural extension office to understand current rebuilding requirements. This includes changes in land use, zoning, or elevation rules that may impact farm structures.
Engage a Licensed Builder or Architect:
Work with professionals experienced in agricultural and post-disaster construction. They can help you design structures that meet both residential and farm operation needs, and navigate permitting requirements.
Schedule a Structural Inspection:
Have a licensed inspector or structural engineer assess the damage to your home, barns, and outbuildings. Their findings will help you decide whether rebuilding is necessary and inform realistic cost and timeline estimates.
Develop a Realistic Budget and Timeline:
Include all expenses—debris removal, demolition, permitting, materials, labor, utility hookups, and temporary housing or storage for livestock and equipment. Agricultural rebuilding often involves complex logistics, so plan for several additional months or more.
Coordinate with Insurance and Assistance Programs:
Rebuilding funds may be released in phases. If you’re using crop insurance, USDA assistance, FEMA, or state agricultural recovery programs. During large scale disasters, it may take months, or in some cases years, for certain programs to be authorized by congress and operationalized, particularly related to housing rebuilding assistance. Assessing available financial resources may take time, so assess your comfort with moving forward with certain decisions without all information up front.

Relocate

In certain cases, relocating your home or agricultural operation may be the most practical and sustainable choice. This may be necessary if your property is in a high-risk area, rebuilding is financially out of reach, or you qualify for and are interested in a government-funded buyout program.

What to Consider

Safety and Risk:
If your residence or agricultural land is in a floodplain, wildfire-prone region, or near unstable slopes, recurring disasters may continue to threaten your safety, property, and livelihood.
Financial Feasibility:
If your insurance payout or disaster assistance won’t fully cover the cost to repair or rebuild your home and farm infrastructure, relocating could reduce future losses and provide a more stable foundation for rebuilding your operation.
Operational and Family Needs:
If the disaster has disrupted your ability to access essential services like markets, labor, schools, or veterinary care, relocating may better support both your family’s well-being and your ability to maintain or restart your agricultural activities.

Steps to Take

Speak with Local Officials About Buyouts or Relocation Support:
Some counties or conservation districts offer voluntary buyout programs for disaster-damaged properties. These programs help landowners relocate to safer areas while preserving high-risk lands as open space or floodplain buffer zones.
Calculate the Full Cost of Relocation:
This calculation will look different for each operation, and should account for your specific circumstances. Some key costs to account for include transporting livestock or equipment, purchasing or leasing new land, transition of the land to make it suitable to your production and possible changes in yields, securing new housing, storage, utility hookups, impacts to access to markets and labor, transportation and logistics, and any lost income during the transition. Weigh these against the cost and risk of staying.
Secure New Land or Housing Before You Move:
If possible, identify a new home and—if applicable—agricultural land before relocating. Consider proximity to supply chains, irrigation access, farming conditions, and family services such as schools and healthcare.
Preserve All Property and Recovery Records:
Keep thorough documentation of your land title, damage assessments, insurance claims, and correspondence with aid programs. These records will be critical for proving eligibility for relocation support or selling your land through a buyout program.

Resources

Actions to Help You Qualify for Assistance

It’s important to avoid selling, transferring, or changing ownership of your property while filing for insurance or applying for recovery assistance if you want to pursue the full extent of the assistance you may be eligible for. Changing ownership of your property may make you ineligible for funding or delay your claim. Many programs require that you prove you owned and operated the property at the time of the disaster and continue to do so throughout the review and award period. To protect your eligibility, maintain consistent ownership until all assistance decisions have been finalized and funds have been awarded. If you do decide to change ownership on the property, make sure you fully understand the impacts to your insurance claims and other assistance.

Step 2.2: Manage Insurance Claims, Evaluate Finances, and Identify Resources to Move Forward

With immediate needs addressed and insurance claims underway, assess what financial gaps remain. Insurance should be the main source of funding to cover disaster related recovery costs, though depending on your policies, it may not cover everything—so it’s important to identify remaining gaps and explore other sources of assistance. Other assistance—federal, state, local, or nonprofit— may help cover or provide favorable loans for uncovered expenses like rebuilding, lost revenue, or equipment replacement.

Manage Insurance Claims Process

Once you’ve reported your damage, documented your losses, and reviewed your policy, your next priority is to stay engaged with your insurance provider throughout the recovery process. Ongoing communication and organized records can make a major difference in how quickly your claim is processed—and how much support you receive.

Maintain Regular Communication

Check in consistently with your adjuster—especially if you’re waiting on an inspection, claim decision, or reimbursement. Don’t assume that “no news” means progress is being made.
Ask for next steps in writing, including timelines for inspections, approvals, and payments.
Keep a written log of all communications. Include the date, time, who you spoke with, what was discussed, and any commitments or instructions given.

Coordinate Inspections and Share Estimates

Be available during scheduled inspections so you can walk the adjuster through specific losses—especially if damage is spread across fields, outbuildings, feed storage, or livestock areas.
Provide any repair estimates, vet bills, livestock mortality records, or contractor invoices your insurer requests.
If you’ve collected multiple bids or professional assessments, share them early to help move your claim forward efficiently.

Keep All Claim Documents Organized

Store digital and hard copies of everything related to your claim: policy documents, estimates, inspection notes, veterinary records, receipts, and correspondence.
Include your claim number, adjuster’s contact info, and a running list of submitted and reimbursed expenses in the same file.
Use folders, spreadsheets, or farm management software to keep track of documents by type—property, equipment, crops, livestock—so you can find what you need quickly.

Clarify How Payments Will Be Handled

How and when will payments be issued?
Will they go directly to you, or to vendors or contractors?
Are partial advances available while repairs or replacements are underway?
What proof do you need to submit to receive the next payment?
Knowing these details early can prevent delays in rebuilding or replacing critical parts of your operation.

Understand Denials or Gaps in Coverage

If any part of your claim is denied or only partially covered, request a written explanation.
You may be able to appeal or provide additional documentation to challenge the decision.
Be clear about deductibles, policy limits, and exclusions, especially for high-value items like equipment or large livestock groups.

Best Practice

Treat your claim like a key part of your recovery operation—just like fixing a barn roof or replacing lost cattle. Staying proactive, well-organized, and in regular contact helps ensure you receive the full benefit of your coverage and avoid unnecessary setbacks.

Resources

Identify and Apply for Additional Assistance

Disaster recovery assistance can come from federal and state agencies, local governments, nonprofits, and even private organizations. These resources can support housing, farm repairs, operational recovery, relocation, and more.

Each program has different eligibility rules, so it can be important to apply for multiple forms of assistance and stay organized by tracking your applications and documentation. This can help you build a clearer path to full recovery.

Even if you aren’t sure if you qualify, consider applying. Submitting an application will allow program professionals to help make that determination and find ways to provide assistance where possible.

Understanding Duplication of Benefits (DOB)

If receiving assistance, it is important to understand potential duplication of benefits (DOB) impacts. A duplication of benefits (DOB) happens when a person, business, or entity receives disaster assistance from any number of sources (like FEMA, insurance, donations, etc.) for the same purpose or activity, and that assistance is more than the total actual need for that one thing. For example, if you have $60,000 in property damage and get $40,000 from insurance for the repair work, any additional assistance more than the $20,000 towards the remaining costs needed for the repair is considered a DOB. Assistance for a different purpose, like rental assistance, would not create a DOB concern. Federal law prohibits paying for the same thing twice and requires clear documentation to prove there is no DOB. You can find additional information on this at the Financial Resources link below.

Types of Recovery Assistance for Agriculture Producers

Recovery help often falls into several key categories:

Housing Assistance: If your farmhouse or employee housing was damaged or destroyed, you may qualify for temporary housing, rental assistance, repair grants, or relocation support.
Farm Repair and Rebuilding Funds: These may cover barn repairs, irrigation infrastructure, fencing, and rebuilding of essential agricultural structures. Programs may be available through FEMA, USDA, HUD-funded programs like Community Development Block Grant–Disaster Recovery (CDBG-DR), or nonprofit partners.
Individual and Household Grants: These grants may help replace essential items, cover utility bills, childcare, temporary storage, or disaster-related medical and funeral expenses that impact you or your family.
Legal and Financial Assistance: Free or low-cost help may be available for insurance disputes, contractor issues, title challenges, or mortgage relief. Some nonprofits offer legal aid for disaster-affected farmers and ranchers.
Unmet Needs Assistance: If other funding falls short, long-term recovery groups and faith-based organizations may help with specific needs like tools, transportation, animal care, or specialized equipment replacement.

Who Offers Help

You may be able to access support from:

Federal Agencies: Including FEMA, the USDA Farm Service Agency (FSA), the Small Business Administration (SBA), HUD-funded programs, and the USDA.
State Departments of Agriculture or Emergency Management: These offices may administer or be able to connect you with recovery grants, emergency loans, or technical assistance.
Local Governments and County Extension Offices: Can help connect you with resources for rebuilding, land access, housing, or relocation.
Nonprofits and Faith-Based Organizations: Groups like the Red Cross, United Way, and Mennonite Disaster Service may assist with rebuilding, financial needs, or operational recovery.

What You’ll Typically Need to Apply

Each program has its own process, but you’ll usually need:

Proof of Identity: Driver’s license, state ID, or passport
Proof of Property Ownership: Deed, mortgage, lease, or land use agreement
Proof of Residence or Farm Operation: Utility bills, property tax records, FSA documentation, or business licenses
Damage Documentation: Photos with timestamps, written descriptions, and insurance reports
Repair or Replacement Estimates: From licensed contractors or agricultural professionals
Financial Information: Tax returns, insurance documentation, income statements
Correspondence: Letters from FEMA, USDA, insurance providers, or lenders

Best Practices

Stay Organized: Create a physical or digital folder just for disaster recovery paperwork. Make and keep copies of everything you submit.
Apply Promptly: Many programs have strict deadlines. Apply as early as possible—even if you're unsure whether you qualify. You can withdraw later, but you can’t go back in time.
Follow Up: If your application for assistance is denied, request the decision in writing. Some programs allow you to appeal or reapply with additional documentation.

Resources

Review Finances and Identify Operation Needs

After a disaster, take a close look at how your farm or ranch has been affected financially. Understanding your current position will help you make realistic decisions about what’s feasible—both immediately and in the months ahead. This is a critical step in determining whether to scale back, modify, or resume operations at full capacity.

Conducting a financial assessment to guide your recovery can be complex. Bringing in professional financial and legal advisors can help ensure sound decisionmaking for long-term success. See the next section for a more detailed discussion on this topic. Regardless of who is engaged, review your cash flow, recovery costs, and available capital.

Review Finances

Start by updating your farm budget to reflect reduced income and increased operating costs. This could include lost revenue from delayed harvests, destroyed crops, or market disruptions, as well as unexpected expenses for cleanup, temporary labor, veterinary care, or equipment repairs. Make a list of all recovery-related costs to date—such as debris removal, replacement feed or seed, short-term livestock relocation, or fuel for generators.
Next, evaluate your available financial resources. This might include operating reserves, lines of credit, insurance advances, or access to USDA disaster assistance. Be realistic about what you can draw on without overextending. Monitor your cash flow closely during this phase—many producers experience a lag between expenses and income recovery, especially if you're waiting on insurance payouts or federal aid.

Best Practice
Consider using a simple spreadsheet or farm accounting software to categorize expenses, track available cash, and monitor your break-even point. This documentation will not only help with decision-making, but also support any future claims or financial reporting requirements.

Identify What Your Operation Needs to Move Forward

Once you have a clear picture of your financial position, determine what’s needed to restore basic functionality—even if it’s at a limited scale.

Labor: Review your current staffing situation. Do you need to rehire seasonal workers, bring back furloughed staff, or shift roles among family or full-time employees to fill gaps?
Supplies and Inputs: Assess what needs to be restocked or replaced—such as seed, fertilizer, feed, fuel, medications, or fencing supplies—to maintain livestock or prepare fields for planting.
Equipment and Tools: Identify any damaged or missing tools essential for your operation, from tractors and ATVs to milking machines or irrigation equipment. Begin sourcing replacements or requesting repair quotes.
Market and Buyer Communication: Reach out to processors, distributors, co-ops, or direct buyers to share your status and anticipated timelines and understand if there have been any changes on their end. If you participate in farmers’ markets or local deliveries, develop a plan for communicating any temporary changes.
Vendor and Supplier Relationships: Contact suppliers to assess their ability to deliver critical goods. You may need to adjust delivery schedules, renegotiate payment terms, or identify alternative vendors if yours are also affected.

Best Practice
Prioritize the activities that restore revenue-generating parts of your operation first—such as animal care, harvestable crops, or market commitments. Once stabilized, invest in long-term improvements that build resilience, like diversifying input sources, digitizing records, or adjusting production strategies to better withstand future disruptions.

Resources

Seek Financial and Legal Advice

Disaster recovery often involves complex financial choices—especially for agriculture producers managing operational debt, navigating insurance claims, or deciding whether to repair, rebuild, or scale back. If you’re weighing major decisions about the future of your farm or ranch, professional advice can help you chart a more stable, sustainable path forward.

Meet with an Agricultural Financial Advisor or Farm Business Counselor

Connecting with a qualified financial advisor, accountant, or farm business counselor can provide critical support and added capacity as you navigate new complexities and added uncertainties related to recovery. These professionals can help you evaluate repayment strategies for existing loans or lines of credit, particularly if you’re facing reduced income or unexpected costs from storm damage, livestock loss, or impacts to harvests.

A good advisor can also help you adjust your farm’s business model to reflect new realities—such as reduced herd size, shifting planting timelines, or loss of infrastructure—and build updated financial projections to support loan applications, grant funding, or operational planning. If you’re considering restructuring debt, refinancing, or applying for USDA disaster assistance, their guidance can help you weigh the risks and benefits. Importantly, a financial advisor can also help you identify red flags early—such as cash flow shortages or solvency concerns—so you can take action before they become critical.

Best Practice
Seek out professionals with experience in agriculture and disaster recovery. Many Farm Credit associations, Cooperative Extension programs, and Small Business Development Centers (SBDCs) offer free or low-cost financial counseling for producers. Some nonprofit organizations and local ag lenders also provide specialized support following federally declared disasters.

Seek Legal Guidance if Needed

In certain situations, it’s also wise to consult an agricultural attorney—particularly if the disaster has affected your legal obligations, contracts, or insurance claims. Legal guidance may be helpful if you’re dealing with lease disputes, insurance denials, livestock sales or transport issues, labor concerns, or questions about ownership, liability, or succession.

Best Practice
Prepare in advance by writing down your questions and bringing relevant documents—such as insurance policies, loan agreements, or contracts—so your advisor or attorney can provide specific, actionable advice. The clearer your records and goals, the more effective their support will be.

Resources

View Legal Resources

Housing Counseling and Legal Aid

Making housing recovery decisions after a disaster is often complicated. You may be balancing emotional, financial, and logistical concerns while navigating unfamiliar programs and requirements. Professional support, oftentimes offered through your local Housing Authority, can help you understand your options, avoid common mistakes, and stay on track.

Housing Counseling

HUD-certified housing counselors offer free or low-cost, one-on-one support to help you:

Evaluate Your Financial Situation: Counselors can help you review your income, insurance, and potential repair costs to determine what’s realistic and sustainable.
Understand Recovery Assistance: They can walk you through eligibility requirements for FEMA, SBA, HUD, and other state or local aid—and help you avoid scams.
Prevent Foreclosure: If you’ve lost income or your home is unlivable, housing counselors can help you explore mortgage forbearance, payment relief, or loan modification options.
Compare Options for Repair vs. Relocation: Counselors can help you assess the pros and cons of staying or moving based on your financial resources and goals, and housing availability.

Housing counselors are trained to provide unbiased, personalized guidance. They don’t sell products or work for your mortgage company—they work for you. This makes them a trusted source for understanding what’s possible and what’s next.

Tax Support and Financial Planning

Disasters can significantly affect your taxes—and proper guidance can help you avoid surprises, recover faster, and make informed financial decisions.

Tax professionals and IRS disaster resources can help with:

Disaster-Related Tax Relief: If your area received a federal disaster declaration, you may qualify for extended deadlines, waived penalties, or special deductions for uninsured losses.
Casualty Loss Deductions: You may be eligible to deduct the value of property lost or damaged in the disaster, even if you don't itemize deductions—especially if insurance didn’t fully cover the damage.
Insurance and FEMA Payment Reporting: A tax professional can help you understand what assistance is taxable (most isn’t), and how to properly report disaster-related funds or reimbursements.
Capital Gains Planning: If you're selling your property or accepting a buyout, a tax advisor can help you understand how the transaction could affect your future taxes.
Filing Amendments or Claims for Refund: In some cases, you can amend a prior year’s tax return to claim losses and receive a refund sooner.

Misreporting disaster losses or missing key tax benefits can delay your recovery or cost you money. Working with a tax advisor ensures you’re making financially sound decisions—especially when choosing whether to rebuild, relocate, or sell.

Legal Assistance

Legal issues often arise after a disaster—especially when it comes to insurance claims, contractor disputes, ownership rights, and access to assistance. Free legal assistance may be available in certain circumstances and particularly for low income individuals.

Legal aid organizations can help with:

Insurance Disputes: If your claim is denied or delayed, legal experts can help you understand your rights and respond effectively.
Title and Deed Issues: If your name is not on the deed or if a relative passed away without a will, attorneys can help you resolve ownership issues that may block assistance.
Contractor Fraud: Legal aid can help you cancel bad contracts, pursue complaints, and recover damages.
Inheritance, Probate, and Family Law: Legal experts can help with custody documents, guardianship, restraining orders, and wills—all of which may be disrupted in a disaster.
Land Use or Buyout Agreements: If you’re offered a voluntary buyout, lawyers can review the agreement to make sure your rights and interests are protected.

Without legal help, some survivors risk losing access to funding, being taken advantage of, or getting stuck in the recovery process. Legal aid ensures your rights are upheld—especially when dealing with complicated paperwork, disputes, or deadlines.

Resources

View Housing Counseling Resources

View Legal Resources

Step 2.3: Decide How to Complete the Work

The next step in your ongoing recovery is deciding how any repair or rebuilding work will get done—whether you plan to do it yourself, work with volunteer groups, or hire licensed contractors. Each option comes with different responsibilities, timelines, and documentation needs that can impact your recovery process.

Self-Completed Work

Taking a hands-on approach to recovery can feel like the most practical and cost-effective way to move forward. While this can work well for certain repairs, especially on outbuildings or non-structural components, it’s important to understand that self-completed work still must meet safety standards, follow local code regulations, and be well documented—especially if you plan to apply for financial assistance.

What to Consider

Know What You’re Allowed to Do
You are legally responsible for ensuring any repairs you or others complete meet local building codes. Work involving electrical, plumbing, structural changes, or gas lines typically requires a licensed professional or official inspection—even on ag structures like barns or processing facilities.
Permits Still Apply
Whether you’re repairing a residence, equipment shed, livestock shelter, or greenhouse, permitting rules still apply. Unpermitted work could lead to delays in inspection approval or disqualify you from certain types of assistance.
It May Affect Your Funding
FEMA, USDA, SBA, HUD, and insurance providers may deny or reduce funding for work that’s not properly permitted, documented, or completed to code. If repairs can’t be verified, you may miss out on reimbursement or matching credit. If receiving assistance, it is important to understand potential duplication of benefits (DOB) impacts, along with funding sources included in DOB determinations (see Step 2.2 Identify and Apply for Additional Assistance above for more details).
Time and Safety Considerations
Disaster damage can be more severe than normal wear and tear. If you’re unsure how to handle structural issues, mold, contamination, or equipment safety, it may be best to consult a licensed contractor, inspector, or disaster recovery specialist before you begin.
Think About the Big Picture

Be realistic about how much work there is to be done and the opportunity cost to your operation and family to have your time and energy going into self-completing repair and rebuild work compared to other priorities. While you may be completely capable of doing the work, think through your own capacity and priorities and make decisions accordingly.

What to Do

Contact Local Building Officials First
Reach out to your city, county, or agricultural extension office to find out if your repairs require a permit or inspection—even if you’re doing them yourself. This applies to both residential and ag-related structures.
Save All Receipts
Keep receipts for every tool, supply, equipment rental, or material purchase. These costs may count toward reimbursement or grant matching requirements.
Track Work and Labor Hours
Maintain a simple written log with dates, hours worked, what was done, and who helped. If family, friends, or hired hands contribute, document their time and tasks. These can be valuable documentation for insurance and assistance applications.
Take Photos Throughout
Use time-stamped photos to show initial damage, repair progress, and completed work. Capture wide shots and close-ups, especially for key repairs like roofing, fencing, or foundation work.
Stay Safe
Use proper safety gear, follow manufacturer instructions, and never attempt work in dangerous conditions—such as damaged electrical areas, unstable buildings, or flood-contaminated spaces.

Best Practice

If you’re not sure whether you’re allowed—or qualified—to complete a repair, check with a building inspector or recovery advisor first. Taking the time to get it right helps protect your safety, avoid delays, and ensure you’re eligible for all available recovery funding.

Resources

Working With Contractors

For agricultural producers, hiring a licensed, insured contractor is often the safest and most effective way to handle large or complex repairs—especially when damage involves barns, equipment sheds, fencing, irrigation systems, or on-site housing. A qualified contractor can help ensure the work meets safety standards, complies with local codes, and is eligible for reimbursement from recovery programs.

Many assistance programs—such as FEMA, USDA disaster programs, SBA loans, and HUD-funded grants—require that certain repairs be done by licensed professionals to qualify for funding or continued support.

What to Consider

Licensing and Insurance: The contractor you choose must be registered with the state and may need to be licensed to work in your city or county, depending on where you live in Colorado. Work with your local building or development department to understand the requirements specific to your project. Work with contractors that carry general liability and workers’ compensation insurance. This protects both you and the workers in case of accidents or damage during construction. If you aren’t sure they have this, ask for copies of their licenses and certificates of insurance. Contact the insurance producer or company identified on the certificate of insurance (COI) to verify coverage is in effect and the COI is valid.
Detailed Estimates: Ask for a clearly written estimate that breaks down the cost of materials, labor, permits, and additional fees. Avoid contractors who offer vague, flat-rate pricing without itemized details. Your insurer will also require this level of detail.
Permits and Inspections: Many types of work—especially rebuilding or major system repairs, plumbing, and electrical work—require permits and city inspections. Be sure your contractor understands and agrees to follow all local permitting rules. You may also need inspections at different stages to maintain eligibility for recovery programs.
Project Timeline: Delays can lead to increased costs, impacts to your operations revenue, temporary housing expenses, and stalled recovery. Ask how long the project will take, what could affect the timeline, and what steps will be taken to keep the job on track.

What to Do

Get Multiple Bids: Contact at least three licensed contractors and ask each one to visit the site and provide a written bid. Compare scope of work, materials, timelines, payment terms, and experience with disaster recovery projects.
Verify Credentials: Use your local or state contractor licensing agency to confirm that each contractor’s license is valid and in good standing. Check for past complaints or disciplinary actions.
Use a Written Contract: Never begin work based on a handshake or verbal agreement. Your contract should spell out everything: scope of work, materials to be used, who is responsible for cleanup, the schedule of work and payments, warranties, and what happens if there are changes or delays. This will be valuable documentation when pursuing insurance and recovery assistance.
Follow Safe Payment Practices: Avoid paying large sums up front, this opens you up to scams and limits your control over the project. A common payment schedule particularly for smaller projects, residential remodeling, and home improvement jobs involves three parts: one-third at the start of the job, one-third at the midpoint, and one-third upon final inspection and completion. Larger projects often use progress payments (monthly or by milestone) to ensure payments line up with progress, with 5-10% retainage held until final inspection, walkthrough, and punchlist items are satisfactorily complete. Keep receipts for all payments and only pay for work that has been completed.
Ask About Experience with Recovery Programs: Some contractors specialize in post-disaster repair and are familiar with documentation requirements for FEMA, SBA, or insurance. This can streamline your process and avoid costly delays.

Best Practice

Stay actively involved in your project from start to finish. Visit the job site regularly, ask for progress updates, and keep written records of all communication. This documentation will protect you if disputes arise and can serve as valuable evidence if you’re applying for funding or facing delays. Keep copies of contracts, invoices, permits, inspection reports, and photographs of work in progress—all stored in one secure location.

Resources

Working With Volunteers

After a disaster, help often comes from generous volunteer groups—whether they’re friends and neighbors, local nonprofits, faith-based organizations, or national recovery networks. Volunteers can assist with debris removal, basic repairs, and even large-scale rebuilding efforts for eligible producers and rural households.

Even though this help is offered at no cost, it’s important to treat volunteer work with the same level of care as any other recovery effort. All repairs—whether to your home, farm infrastructure, or ag buildings—must meet safety standards and local codes. Proper documentation is key if you plan to apply for insurance reimbursement or disaster recovery assistance.

What to Consider

Work with Trusted Organizations
Volunteers should be affiliated with established groups that follow safety protocols, provide supervision, and carry liability insurance. Avoid accepting help from unknown individuals who show up unannounced or aren’t connected to a recognized organization.
Affiliations

Many disaster response organizations are branches of faith-based groups. If they are a member of Colorado Voluntary Organizations Active in Disaster (COVOAD), or National Voluntary Organizations Active in Disaster (NVOAD), they have pledged to provide their help within the community regardless of a survivor’s religious affiliation, and that they will not discriminate in their assistance.

Know the Limits of What Volunteers Can Do
Volunteers can often help with fence repair, debris clearing, cleanup, or rebuilding non-specialized structures. However, work involving electrical systems, gas lines, major plumbing, or structural components typically requires licensed professionals—even on ag buildings.
Communicating Your Needs

Some organizations may be able to provide tailored support in certain circumstances. If you identify with one of the below groups, consider mentioning it so organizations can better tailor their support to your needs and circumstances.

- Older producers
- People with disabilities
- Low-income households
- Families with children
- Producers without access to other forms of assistance or insurance

Ask the Right Questions
Before work begins, ask:

- What specific services do your volunteers provide?
- Are you working with local emergency management, Extension, or recovery offices?
- What tasks are your volunteers trained and legally allowed to perform?
- Can you provide written documentation of the work completed?

Keep Detailed Records of the Work
Even if the labor is free, it’s your responsibility to document it fully. This will help you document the full cost of your recovery for insurance and assistant purposes. Keep a recovery log that includes:

- Dates and start/end times volunteers were on-site
- Tasks completed (e.g., removed debris from livestock areas, repaired fencing)
- Time-stamped photos of damage before and after work
- Names of the volunteer organization and team members (if available)

Request Written Confirmation of Services
Ask the organization for a written summary of the work performed. This should include the type of tasks completed, materials used, and any safety precautions followed. File this with your other disaster recovery documentation.

Best Practice

Treat volunteer work just like professional repair work—because you’re still responsible for making sure it’s done safely, legally, and well documented. Taking photos, saving records, and asking for summaries of the work done helps protect your eligibility for FEMA, USDA, SBA, or insurance assistance. It also helps if issues arise later or if you need to prove the condition of the property for future funding or inspections.

Resources

View Repair and Rebuilding Resources
View Volunteer Group Resources

Avoid Getting Scammed

Unfortunately, scams are common after disasters. When communities are in crisis, dishonest individuals may take advantage of the confusion and urgency to commit fraud. Unlicensed or fake contractors might promise fast repairs, take your money, and disappear—or do shoddy work that fails inspection and slows your recovery. Others may impersonate government agencies or disaster programs in an attempt to collect personal information or illegal payments.

It’s understandable to feel pressure to act quickly—but taking the time to verify who you’re working with can save you money, time, and stress.

What to Watch For

Upfront Demands: Be cautious of anyone who asks for full payment in advance or insists on cash-only transactions. These are major red flags.
Uninvited Offers: Avoid people who show up at your property without being asked, especially those who offer “one-day-only” deals or claim they’re “just in the area.” Legitimate contractors rarely use high-pressure tactics.
Fake Government or Insurance Agents: Scammers may pretend to be from FEMA, your insurance company, or another recovery agency. They might ask for payment, sensitive personal information, or bank details. These agencies never charge fees to inspect damage or apply for help.
No Paper Trail: Be wary of anyone who refuses to put their name, business information, or terms in writing.

What to Do

Check Credentials: In Colorado, you can often check a business license and/or professional licenses through your city or county government website. Electrical and plumbing contractors are licensed by the state and can be looked up online via DORA by the business or professional’s name. You can also file a complaint via the DORA license lookup tool.
Look Up Reviews and Complaints: Search online for reviews and check the Better Business Bureau (BBB) or state attorney general’s office to see if complaints have been filed.
Ask for References: Request contact info for past clients and follow up with them about their experience.
Get It in Writing: Before any work begins, insist on a written contract that outlines:
- 1. The scope of work, including permits and passing inspections
  2. Estimated costs
  3. Start and finish dates
  4. Payment schedule
  5. Materials to be used
  6. Cleanup plan and warranties
Protect Your Personal Info: Don’t share your Social Security number, bank account details, or insurance information with anyone unless you are certain they are a verified representative of a trusted organization.

Best Practice

When in doubt, ask for help. If something feels off or you’re unsure whether a contractor, volunteer, or representative is legitimate, reach out to your:

Local building department
Disaster case manager
Housing recovery counselor
FEMA Disaster Recovery Center (if active in your area)

These professionals can help you verify the person’s identity and make sure the work is done legally and safely. Your safety and recovery depend on working with people you can trust.

Actions to Help You Qualify for Assistance

Work must be done with all required permits and inspections. Keep copies of the records that show you met these requirements.

When working with contractors, purchasing materials, or having services completed, do everything you can to get clear receipts, even if it means taking notes and saving those with your other paperwork. Paperwork from contractors, stores, or service providers should clearly show the company name, the date, the address (if work is performed at the property), and list materials and services with descriptive titles and costs. Receipts proving payment are also very important to save. More documentation is better and helpful when applying for assistance later on.

Step 2.4: Getting Back to Normal

Disaster recovery isn’t just about fixing structures—it’s about restoring your daily life and agricultural operation. This phase focuses on the routines and resources that help you and your household regain stability. From resuming operations to accessing healthcare, transportation, and childcare, this section offers guidance to help you rebuild your day-to-day life, step by step.

Operational

Resuming Operations

Once you’ve secured the support you need, made decisions about how to move forward, and stabilized your operation, the next phase is about taking action. This is the point where planning gives way to doing—where repairs begin in earnest, animals are returned to pasture, equipment gets back in the field, and your production cycle starts to resume.

Put Repairs and Rebuilding into Motion

With your priorities identified and resources in place, begin executing repairs that directly support your operational goals. Focus first on restoring the infrastructure that supports animal welfare, crop production, or harvest logistics—such as barns, fencing, silos, irrigation systems, and power or water access. If you're coordinating contractors, volunteers, or lending programs, stick to your implementation schedule and adjust timelines only as needed to avoid delays.

Make sure repair work aligns with insurance requirements and assistance guidelines—take photos as work progresses, retain receipts, and note completion dates. Keep communication open with your FSA representative or insurance adjuster in case additional approvals or documentation are needed as you move forward.

Resume Core Agricultural Activities

With essential systems back online, begin resuming daily operations. This may include returning livestock to pastures or barns, reestablishing feeding routines, resuming planting or harvesting schedules, restarting equipment use, and reopening access to fields or grazing areas. Even if you’re not back to full capacity, consistent routines can help restore productivity, stabilize income, and support overall recovery.

If you're working with seasonal labor, let workers know your adjusted timelines and priorities. If you manage a family operation, hold a team meeting to review roles, safety protocols, and your updated operational goals. Clear coordination can reduce stress and help everyone stay focused during what may still be a challenging period.

Reconnect with Buyers, Markets, and Partners

As production resumes, start reconnecting with your customers, processors, co-ops, or distributors. Update them on your timeline for crop deliveries, livestock sales, or product availability. Let them know about any changes in volume, timing, or pricing, and reinforce your commitment to fulfilling obligations as your operation recovers.

If you participate in farmers' markets, direct-to-consumer sales, or value-added programs, use this time to communicate your reopening through phone calls, emails, signage, and social media. Transparency builds trust and helps maintain relationships—even if you're not operating at full scale just yet.

Rebuild Routines and Long-Term Momentum

Implement your new schedule and operating structure, even if it looks different than before. Some producers may need to stagger planting, rotate herds differently, or adjust harvest schedules. Others may operate with fewer workers or smaller herds. Focus on what’s realistic and sustainable—not necessarily what was "normal" pre-disaster.

Track your progress weekly, including production levels, expenses, and any bottlenecks that emerge. Make small adjustments as needed, and continue refining your recovery plan based on what’s working and what’s not. This phase is not just about restarting—it’s about rebuilding momentum and creating a more resilient operation going forward.

Best Practice

As you implement your plan, continue documenting your recovery. Keep copies of invoices, before-and-after photos, production logs, and communications with vendors or lenders. This documentation may be required for reimbursement programs, future grants, or proof of hardship for tax purposes. It also creates a valuable reference in the event of future disasters.

Stay connected to your community. Often some of the best practical guidance and advice comes from those in your community that have also had to navigate similar challenges and can share their experiences and what has or hasn’t worked. They can also be an important source of local information on how other operations are adapting, connecting you with resources you may not be aware of, and be key members of your disaster recovery network.

Resources

View Agriculture Resources
View Business Resources
View Repair and Rebuilding Resources

Restoring Land

Restoring the health and functionality of your land is essential to fully resuming operations and protecting your long-term viability. With damage already assessed, the focus now shifts to rebuilding productivity, addressing soil health, repairing infrastructure, and implementing conservation strategies that reduce vulnerability to future events.

Develop a Restoration Plan Based on Use and Priority

Not all land needs to be restored at once. Prioritize areas that are critical to near-term production—such as fields scheduled for upcoming planting, grazing pastures, or irrigation zones. Consider how each area was used before the disaster, what’s feasible now, and how conditions may have changed.

For cropland, restoration may include removing debris, correcting erosion, reseeding, or amending compacted or nutrient-depleted soil.

For pasture and rangeland, the focus should be on reestablishing forage, addressing runoff or standing water, and evaluating fencing or watering systems to safely return livestock.

Best Practice
Start small and scale up. Focus restoration efforts on land that supports immediate revenue or animal health, and expand as time, funding, and labor allow.

Implement Soil Health and Conservation Practices

Disaster-affected soils often suffer from erosion, compaction, contamination, or nutrient loss. Rebuilding soil health will improve crop yields, reduce input costs, and build long-term resilience.

Practices that may be useful include:

Cover cropping to rebuild nutrients, reduce erosion, and suppress weeds
Compost or organic amendments to restore microbial life and improve structure
No-till or low-till techniques to minimize disturbance and protect soil integrity
Riparian buffers and filter strips to reduce runoff and protect waterways
Contour farming, terracing, or grassed waterways to manage slopes and prevent further erosion

Local NRCS or Conservation District staff can help tailor specific recommendations to your soil type, land slope, and post-disaster conditions. Many of these improvements are eligible for cost-share programs.

Best Practice
Document all restoration practices—including dates, inputs, and photos—to support grant applications, compliance reporting, or future claims.

Repair or Rebuild Land-Based Infrastructure

In addition to restoring the soil, producers may need to address infrastructure that supports land productivity. This includes:

Fencing for pastures or property lines
Irrigation systems (pumps, drip lines, pivots, pipes)
Drainage systems to control runoff or manage standing water
Field roads or access paths that may be washed out or unsafe

Rebuilding infrastructure may be phased over time, depending on available funding and labor. USDA and state ag agencies may offer assistance for these types of recovery projects.

Best Practice
Coordinate restoration timelines with seasonal needs—e.g., prioritize fencing before turning livestock out, or restore irrigation before the next planting window.

Resources

Arranging Livestock Care

Even as you navigate repairs and paperwork, ongoing livestock care is essential.

Ensure consistent access to clean water, feed, and minerals
Reestablish or upgrade housing—repair barns, fencing, and shade structures to reduce stress and injury risk
Keep handling calm and consistent to avoid setbacks in animal behavior or productivity

If changes in feeding schedules or space use occurred during the disaster, slowly reintroduce regular routines to help animals readjust.

Rebuild Veterinary and Health Management Systems

Now is the time to resume regular animal health practices and prepare for long-term herd wellness:

Reconnect with your regular large-animal veterinarian and update health plans disrupted by the disaster
Reschedule missed vaccinations, treatments, or breeding evaluations
Monitor for delayed health impacts such as respiratory issues, stress-related illnesses, or reduced fertility

If you’re resuming participation in shows, sales, or transport, ensure all required documentation is back in place.

Watch for Signs of Ongoing Stress or Health Impact
Animals may still be recovering from environmental or behavioral stressors. Monitor closely for:

Decreased feed intake or weight gain
Increased aggression or listlessness
Reproductive disruptions
Delayed signs of illness or injury

If you notice lingering issues, consult your vet or extension specialist for herd health planning or behavioral support.

Keep Records Current and Organized
As you stabilize operations, keep livestock-related documentation up to date:

Updated herd inventories
Vaccination and treatment logs
Movement records and replacement ID tags
Receipts for feed, veterinary care, and infrastructure repair

These records will be critical if you're audited by funding agencies, filing taxes, or preparing for future disasters.

Resources

Household

Re-Enrolling in School and Childcare

After a disaster, disruptions to school or childcare can add stress and uncertainty—for both children and caregivers. Getting kids back into school or early learning programs as soon as possible can help restore a sense of safety, support healthy development, and give caregivers the time and space to focus on their own recovery efforts.

Even if your living situation is temporary or uncertain, federal protections ensure that children have the right to remain in school and access the services they need.

What to Do

If your child has been displaced or relocated: 
Contact your local school district and ask to speak with the McKinney-Vento liaison. Every district is required to have one. These liaisons support students experiencing homelessness or displacement due to disaster and can help:

Keep your child enrolled in their current school, if possible
Arrange for transportation from your temporary housing
Provide access to meals, school supplies, uniforms, or clothing
Ensure enrollment even if you don’t have all the usual paperwork (e.g., immunization records or proof of address)

These services are designed to remove barriers to education and help children feel supported during uncertain times.

If your child is in childcare or preschool: 
Notify your provider about your family’s situation—especially if your address, contact information, or daily schedule has changed. Ask about:

Short-term or emergency care slots
Drop-in care options
Fee waivers or reduced rates for families affected by disaster
Available services through local Early Childhood Councils or Head Start programs

If your usual childcare provider is closed or unavailable, your local human services department or 2-1-1 helpline can help you find temporary care or connect you with financial assistance.

If your child receives special education or related services:
If your child has an Individualized Education Program (IEP) or 504 Plan, those services continue—even if you’ve relocated or enrolled in a new school. Reconnect with your child’s previous provider or special education coordinator and:

Request a copy of their IEP or 504 Plan (if not already on file)
Set up a meeting with the new school to review and transfer services
Ask about continuing therapies, classroom resources, or counseling

Don’t delay—these services are federally protected under the Individuals with Disabilities Education Act (IDEA) and Section 504 of the Rehabilitation Act, and schools are required to resume them without interruption.

Best Practice: Re-enroll Without Delay

Even if you expect to move again soon, don’t wait to get your child back into school or a learning environment. School offers more than academics—it provides daily structure, emotional support, meals, peer connection, and access to essential services. Starting now helps children regain a sense of normalcy and can make transitions easier down the road.

If you're unsure where to start, call your local district office or the state education department’s disaster support line. Many areas have temporary enrollment centers or mobile registration units for displaced families.

Resources

View Child Resources

Managing Physical and Behavioral Health

Staying connected to both medical and emotional health care is essential. Even if your urgent needs have already been addressed.

Recovery can take months or even years, and health needs often evolve over time. It's common for symptoms of stress, trauma, or chronic conditions to emerge or worsen once the initial crisis has passed and the hard work of rebuilding begins.

Continue Medical Care and Manage Long-Term Health Needs

If you’ve changed providers, relocated, or are still living in temporary housing, make sure your current care team is up to date. Confirm that your medical records are transferred, prescriptions are current, and treatment plans are still working for your needs.

Stay consistent with follow-up appointments—even when other recovery tasks feel more urgent. Routine care helps you manage existing conditions and identify new concerns early.

Community health centers, local clinics, and health departments can be good sources of care if you’re between providers or need support affording services. If you were relying on temporary insurance or disaster relief programs, begin planning for long-term coverage and access to care now.

People with chronic illnesses or disabilities should work with providers to ensure that care plans, medications, and supportive services are stable and accessible. If you're unsure where to start, contact your local health department, Medicaid office, or disability services agency for help.

Prioritize Emotional Health Throughout Recovery

You or your loved ones may begin to feel the full weight of the disaster months after the event, especially as the stress of long-term repairs, financial strain, or displacement sets in. Not addressing mental and emotional health can lead to difficulties managing the demands of long-term recovery, slowing or even stalling progress on meeting important assistance deadlines, which can cost you time and money and limit your recovery options.

Common signs of ongoing emotional distress include:

Trouble sleeping or concentrating
Ongoing anxiety, sadness, or irritability
Physical symptoms like headaches or fatigue with no medical cause
Withdrawing from others or losing interest in daily activities
Feeling overwhelmed, hopeless, or stuck

If these feelings persist or interfere with daily life, it’s time to seek support. Start by contacting a primary care provider, behavioral health clinic, or local mental health center. Many communities also offer telehealth, support groups, or disaster-specific counseling programs. These resources can give you tools and connect you with professionals to help navigate the complexities of disaster.

Resources

View Medical Resources

View Mental Health Resources

Transportation and Mobility

If your truck, tractor, or farm vehicle was damaged, destroyed, or is no longer reliable, there are still ways to stay mobile and maintain essential connections to your community, suppliers, and services. Having a transportation plan in place can reduce stress and help keep your operation moving forward while you rebuild.

If Your Vehicle Is Still Usable

Even if your vehicle sustained minor damage, you may be able to use it temporarily. Keep it fueled, maintained, and stocked with basic emergency supplies so you're ready to make supply runs, transport livestock, or get to local support services. Suggested supplies include:

A flashlight with extra batteries
Bottled water and snacks
A first-aid kit
Phone charger or backup power source
Jumper cables
A paper map in case GPS or cell service is disrupted

If repairs are needed, get a written estimate and take photos of the damage. Keep copies of service receipts—especially if you’re filing an insurance claim or applying for disaster assistance that includes transportation-related expenses.

If Your Vehicle Was Lost or Severely Damaged

Start by contacting your auto insurance provider to report the loss and determine next steps. Depending on your policy, you may be eligible for repair or replacement funds, rental reimbursement, or assistance with towing and temporary storage. Keep copies of all communication with your adjuster and save receipts for any out-of-pocket transportation costs.

If you're uninsured or your claim is denied, reach out to local long-term recovery groups, cooperative extensions, faith-based organizations, or VOAD (Voluntary Organizations Active in Disaster) partners. In some cases, these groups can offer donated vehicles, fuel stipends, or financial assistance for repairs or replacements.

Explore Local Transit and Alternative Transportation Options

If a personal vehicle isn’t currently available, look into public or community-based transportation in your area. Your local transit agency, disaster case manager, or cooperative extension office may have information about:

Regional bus routes or shuttles available in rural areas
Discounted fares or free ride programs for disaster survivors
Transportation services to medical appointments, feed stores, or ag supply cooperatives

For producers temporarily displaced to another region, a housing navigator or local recovery staff can help identify transportation options close to your new location.

Use Rideshare and Volunteer Driver Programs

If public transportation isn’t practical for your needs, services like Uber, Lyft, or local cab companies may offer flexible alternatives for:

Vet appointments
Grocery or equipment pickup
Job-related travel
Feed, seed, or supply runs

In some communities, local nonprofits, United Way chapters, senior centers, or community action agencies coordinate volunteer driver programs for rural residents or ag workers. These may be especially helpful for reaching essential services during recovery.

Paratransit or Specialized Services for Producers with Disabilities

If you or someone in your household has a mobility limitation or disability, your area may offer paratransit services—door-to-door, pre-scheduled rides for people who cannot access standard public transit. You may need to complete an eligibility form and provide medical documentation to enroll. Contact your local disability resource center or transit agency for more details.

Best Practice: Build a Flexible Transportation Plan

Make a list of the places you need to access regularly, such as:

Feed and seed suppliers
Livestock auctions or processors
Equipment service providers
Farm service agencies or disaster recovery offices
Grocery stores, clinics, or schools

For each destination, try to identify two transportation options—such as driving your own vehicle, carpooling with a neighbor, using a local bus line, or calling a rideshare. Having a backup option helps you stay on track even if your first choice falls through.

Transportation is more than convenience—it’s a critical link to markets, resources, and support during recovery. If you’re having trouble getting where you need to go, let your local cooperative extension, disaster case manager, or community recovery group know. Assistance is often available—but getting connected starts with asking for help.

Resources

View Transportation Resources

Arranging Dependent Care

Disasters can disrupt care arrangements for children, older adults, and people with disabilities, leaving caregivers without the support they usually rely on.

As recovery continues, stress and burnout can increase—but you don’t have to manage it alone. Many communities offer temporary caregiving support, in-home assistance, and emergency planning resources to help families stay stable.

What to Do

Reach out for short-term relief (respite care): 
If you need time to attend appointments, manage home repairs, or simply rest, respite care services may be available to temporarily step in and provide support. These programs are especially helpful for caregivers of individuals with medical or behavioral health needs.

Contact your local human services office or county social services agency to ask if emergency or short-term respite programs have been activated.
Nonprofits and faith-based organizations may also provide volunteer caregiving support during recovery.

Coordinate in-home support for older adults or people with disabilities: 
Recovery can increase the need for help with daily activities, especially for those with mobility or health issues. If regular caregivers are unavailable or services were interrupted, contact your:

Area Agency on Aging (AAA) for help accessing personal care attendants, meal services, transportation, or adult day programs.
Local disability services coordinator or independent living center for guidance on restoring access to care aides, therapy services, or assistive technology.
If eligible, Medicaid programs may offer home- and community-based services (HCBS) to support recovery at home.

Seek support through schools and childcare providers:
If you're caring for children, reach out to your child’s school or daycare center for help navigating recovery services. Many school districts and early childhood programs coordinate with:

Disaster response teams
Mental health counselors
Parent liaisons or family resource centers

They may also be aware of childcare subsidies, transportation help, or temporary after-school programs to ease the burden on working caregivers.

If you're newly responsible for a child due to family displacement or illness, ask about guardianship support services, emergency foster care contacts, or legal aid to help with temporary caregiving arrangements.

Best Practice: Make a Caregiving Emergency Plan

During recovery, it’s helpful to keep a caregiving info sheet with important details, including:

The name, age, and medical conditions of the person receiving care
A list of medications, equipment, or therapies needed
Regular routines, communication preferences, or mobility needs
Contact information for doctors, therapists, and support agencies
Names of backup caregivers and how to reach them

Keep a printed copy in your go-bag or emergency folder and store a digital version in cloud storage, if possible. Share it with a trusted friend, neighbor, or family member in case you’re unavailable or need assistance on short notice.

Caring for others while recovering from a disaster is incredibly challenging—but you’re not alone. Support is available to help you protect your loved ones while also taking care of yourself. Asking for help is not a weakness—it’s a vital part of long-term recovery.

Resources

View Child Resources
View Senior and Disability Resources

Arranging Pet Care

Pets are part of the family—and they, too, can experience stress and disruption following a disaster. Changes in routine, relocation, and the loss of familiar surroundings can affect your animal’s behavior, appetite, and health. As your recovery progresses, it’s important to create stability for your pets, maintain their well-being, and plan ahead for housing or caregiving challenges.

Reestablish Regular Care

Start by making sure your pets have a consistent supply of food, clean water, and a safe, quiet space to rest if possible. If you’re in temporary housing, identify a designated area where your pet feels secure, and stick to a regular feeding and walking schedule to help them readjust.

If you lost access to your veterinarian, contact local clinics, humane societies, or animal shelters for support. Many offer:

Replacement of medical records or vaccination history
Emergency refills of prescriptions or flea/heartworm medications
Low-cost checkups or vaccinations for displaced families
Referrals for behavioral support if your pet is showing signs of stress

If your pet has a chronic condition or needs special care, finding a new veterinarian is important so make sure to find and contact once as soon as possible.

Update Identification and Contact Information

If you’ve moved or changed phone numbers, make sure your pet’s microchip and ID tags reflect your new contact details. You can:

Update your information with your veterinarian or microchip registry (such as HomeAgain, PetLink, or AKC Reunite)
Request a replacement ID tag if the original was lost
Ensure your pet’s rabies tag and license are current and linked to your new address

Proper ID helps reunite you with your pet quickly in case of separation and may be required for boarding or temporary housing programs.

Secure Temporary or Long-Term Arrangements

If you’re unable to care for your pet due to housing restrictions, health concerns, or financial strain, don’t wait to ask for help. Many communities have disaster-specific programs to support pet owners, including:

Temporary foster care through animal shelters, humane societies, or pet rescue networks
Pet boarding vouchers for disaster survivors
Assistance through national organizations like the ASPCA, RedRover, or PetSmart Charities
Pet-friendly shelter options coordinated by emergency management or local animal control

Reach out to your local animal services department, emergency operations center, or 2-1-1 helpline to learn what’s available in your area. Some programs may also help with pet food, crates, or leashes to make your current housing more accommodating.

Help Pets Adjust to New Routines

Just like people, pets need time to adapt to new environments. Signs of stress in animals may include:

Hiding, pacing, or acting withdrawn
Excessive barking, whining, or aggression
Loss of appetite or bathroom accidents

Give your pet time and space to adjust. Use calming techniques like extra playtime, gentle touch, and familiar toys or bedding. If problems persist, a veterinarian or certified animal behaviorist may be able to help.

Caring for your pets during disaster recovery can bring comfort to both them and you. Maintaining consistent care, seeking help when needed, and making thoughtful plans for their needs will support their well-being—and help your whole household move forward with greater stability.

Resources

View Animal Care Resources

Reconnecting with Community Support

Recovery is never easy—but it’s even harder when you try to do it alone. Whether you're facing property damage, crop or livestock loss, financial strain, or emotional exhaustion, connecting with others who understand your experience can make a meaningful difference. For ag producers, who often work in isolated conditions and shoulder the burden of an entire operation, support from neighbors, community groups, and trusted networks isn’t just helpful—it’s essential. Many people find their communities and informal networks of disaster survivors to be critical sources of information that can help navigate the complexities of recovery.

Visit Local Resource Hubs or Recovery Centers

After a disaster, many rural communities establish centralized spaces for support, such as family resource centers, mobile outreach units, or county-based recovery hubs. These locations often offer more than just paperwork or referrals—they’re places to get practical help, connect with case managers, and find people who can answer your questions.

Services may include food distribution, utility or fuel assistance, replacement tools or clothing, mental health resources, and even volunteer crews for fencing repairs, debris cleanup, or feed deliveries. Cooperative extensions, Farm Bureau chapters, or local USDA offices may also host drop-in events at these sites to support producers directly.

Reconnect with Faith Groups, Farm Networks, or Producer Organizations

If you were active in a faith community, a producer co-op, or a local ag group before the disaster, now is a good time to reach out again. These groups often step up quickly to help their members—offering meals, equipment loans, work parties, and emotional support. Even if your regular meeting place is unavailable, many continue gathering in temporary buildings, homes, or virtually.

If you weren’t connected to a local network before, that’s okay. Community potlucks, cooperative clean-up days, or regional extension events can be great ways to meet others facing similar challenges. You don’t have to talk about your loss right away—but being present helps rebuild trust and momentum over time.

Join Local or Online Recovery Groups

Talking with other producers who’ve been through similar events—whether drought, fire, flooding, or storms—can be especially validating. Some counties organize in-person recovery groups or peer support circles for farmers and ranchers. Others may offer online forums, local Facebook groups, or group chats focused on sharing updates, resources, and coping strategies.

Even brief conversations about dealing with crop insurance, rebuilding herds, or accessing mental health care can help you feel less alone. In some areas, Farm Aid, rural mental health nonprofits, or ag-specific hotlines offer opportunities to connect with others who "get it"—without judgment.

Best Practice: Stay Connected—Even When It’s Hard

The demands of running an operation during recovery—tracking expenses, fixing infrastructure, coordinating deliveries—can make it tempting to pull back from social connection. But that isolation can deepen stress and slow healing. Staying connected, even in small ways, can give you emotional grounding, encouragement, and practical support when you need it most.

Don’t hesitate to call or text a fellow producer, visit a neighbor, or stop by a local co-op meeting—even if you’re not sure what to say. Accepting help doesn’t mean you’re weak—it means you’re rebuilding in community. Whether it’s a meal, a ride, someone to haul hay, or just someone to listen, asking for support is a strength.

Everyone’s recovery path looks different, but no one gets through it alone. The relationships you invest in now can offer strength, perspective, and a lasting sense of community as you rebuild—not just your operation, but your sense of wholeness and connection.

Supporting Emotional Recovery

Rebuilding emotional well-being takes time, but one of the most powerful steps you can take is re-establishing structure and connection. Simple routines, supportive relationships, and accessible care can go a long way in helping individuals and families recover emotionally.

For Individuals and Families

Creating a basic routine can help restore a sense of control, predictability, and reduce stress. Whether you're staying in your home, shelter, or living in a temporary situation, it is recommended to create structure in your day. Consider trying out the following:

Build a weekly schedule that includes meals, sleep, work, school, and downtime.
Set small, manageable goals to give each day a sense of purpose.
Use visual tools like calendars, checklists, or chore charts to keep everyone on track.
Make time for family conversations and regular check-ins to talk about how each person is coping. You can also check in on what is going well and new ways to incorporate self-care daily.
Recognize that emotional distress is normal—and if symptoms persist, worsen, or interfere with daily life, seek help from a licensed counselor or mental health provider.

Be patient with yourself and your loved ones. Emotional recovery isn’t linear, and rebuilding your life will look different for everyone. Taking even small steps toward routine is a meaningful part of the healing process.

For Older Adults

Older adults may face unique challenges during long-term recovery, such as medical needs, mobility limitations, or increased isolation. Providing consistent support and connection is key:

Ensure continuity of care by reconnecting with primary care providers, home health agencies, and Area Agencies on Aging (AAA) to confirm care plans are active.
Support daily living with access to meals, transportation, medications, and in-home support services. Look into resources like Meals on Wheels or local senior centers, and seek support, when needed, to coordinate these resources
Prevent social isolation by engaging in phone check-ins, neighbor visits, or participation in community groups. Regular contact with others improves emotional well-being and reduces the risk of depression.
If you care for an older adult, watch for delayed emotional effects such as increased confusion, withdrawal, or anxiety. Many aging services offer disaster-specific behavioral health resources tailored for older adults.

For Children and Youth

Children are especially vulnerable during times of upheaval and benefit from routine, familiarity, and reassurance. Helping them feel safe and involved can reduce fear and support emotional resilience:

Keep children enrolled in school—even if you're temporarily displaced. Every school district has a McKinney-Vento liaison who can help with transportation, supplies, or enrollment (see “Re-Enrolling in School and Childcare” above for additional guidance).
Provide space and time for interactions with peers. Peer interaction is important when creating connections and is developmentally appropriate to support their growth and recovery.
Reconnect with pediatricians, therapists, or counselors to continue or restart care. Some trauma symptoms may show up weeks or months later. If mental health services were disrupted, ask providers for help re-establishing support. When seeking mental health support for children, it can be helpful to look into experiential therapy options, such as play, art, equine, and animal therapy.
Create predictable daily routines with set times for meals, play, learning, and rest. Even small rituals, like bedtime stories or family dinners, help children regain a sense of normalcy and can create psychological safety for them.
Involve children in recovery through safe, age-appropriate activities like organizing belongings, helping with pets, or making thank-you notes for volunteers. Giving them small responsibilities or control over some decision-making strengthens confidence, self-competency, and reduces helplessness.

For People with Disabilities

Disasters often pose extra barriers for people with disabilities, including access to care, medications, equipment, and emotional support. Ensuring continuity of care and inclusive communication is essential:

Ensure people with disabilities are provided accessible, integrated disaster recovery locations and resources. Avoid hospitalization or institutionalization as solutions when accommodations are sufficient.
Reestablish support services such as personal care assistants, physical or occupational therapy, and medication management. Connect with disability resource centers or case managers if help is needed.
Make routines accessible by adapting schedules and tools to meet sensory, mobility, or cognitive needs. For example, use visual aids, assistive technology, or audio reminders as needed.
Address emotional health by working with behavioral health providers familiar with disability-related needs. Telehealth options may offer added flexibility.
Ensure inclusion in community recovery activities and decisions. People with disabilities should be active participants in shaping programs and services that impact them.

Rebuilding emotional health after a disaster takes time, support, and understanding. Whether you're caring for yourself, a child, an older family member, or someone with a disability, reintroducing structure and accessing the right resources can make a lasting difference. Recovery is not just about restoring what's lost—it's about creating a foundation for long-term resilience and well-being.

Resources
View Mental Health Resources

Long-Term Recovery

In the long-term recovery phase, the focus shifts to rebuilding for the future.

View Long-Term Recovery Checklist

Step 3.1: Physical Rebuilding and Financial Recovery

For Ag producers, this means repairing land and infrastructure, resolving insurance and assistance claims, and regaining financial and emotional stability—all with the goal of restoring operations and strengthening resilience for seasons ahead.

Apply for Long-Term Recovery Assistance

Long-term recovery programs are designed to support producers who have exhausted their immediate options but still can’t fully repair, rebuild, or resume operations. These programs typically become available after emergency and short-term aid has ended. Because they require funding approval and setup by local or state agencies, they may take time to launch.

Long term recovery programs are typically disaster-specific and get stood up on a case-by-case basis depending on the level and types of damages. For large federally declared disasters, long-term recovery programs are often funded in partnership by the U.S. Department of Housing and Urban Development (HUD) and the state and local governments. Regardless of federal declarations, programs may also be stood up by philanthropic organizations, the state, local governments, and others for specific purposes and types of assistance.

These programs are designed to help communities rebuild in ways that are safe, strong, and fair—especially for people who may not have had the resources or support to recover, and may have income eligibility requirements.

Federal Funded Programs

For agriculture producers, most long-term recovery assistance is funded by the U.S. Department of Agriculture (USDA) and the U.S. Department of Housing and Urban Development (HUD).

The goal is to help rural and agricultural communities rebuild in ways that are stronger, safer, and more resilient—especially for producers without the resources to recover on their own.

What This Help Can Include

For agriculture producers, long-term recovery assistance may offer:

Repairs or reconstruction of homes, barns, storage facilities, or other critical structures
Replacement of essential systems like irrigation, electrical, water pumps, and HVAC
Improvements that reduce future risk, such as fire-resistant materials, flood mitigation, or erosion control
Assistance for total rebuilds if structures or property were severely damaged or destroyed

What You’ll Need to Apply

When long-term recovery programs open, you’ll need to provide documents that show what was lost and what help you’ve already pursued. Keep both paper and digital copies of all documents organized in one place so you're ready when the program opens. This may include:

FEMA determination letter (even if you were denied assistance)
SBA loan paperwork (even if you didn’t use the funds)
Insurance claim documents, including denial letters or payment summaries
Proof of ownership (deed, property tax bill, or mortgage statement)
Proof of occupancy (driver’s license, utility bill, or other documents showing you lived on or operated from the property)
Photos of damage to crops, structures, and equipment
Written repair estimates or contractor bids
Receipts for repairs already completed

Colorado State-Funded Programs

In some cases, Colorado may provide state-funded housing and other recovery assistance on a disaster-by-disaster basis. These programs may be supported by state emergency funds, philanthropic partnerships, or community foundations.

Colorado state programs may offer:

Support through local recovery navigators or case managers
Referrals to partners who can assist with construction, materials, or volunteer labor
Support of voluntary organizations, 2-1-1- and others providing direct support to survivors
Programs designed based on specific disaster circumstances

Small Business Administration (SBA) Programs

Despite the name, even if you do not have a small business, SBA assistance may be available to you. SBA provides Home and Personal Property Disaster Loans to individuals and families (including homeowners and renters) after a disaster. SBA also provides mitigation assistance for improvements that prevent future damage to property, Economic Injury Disaster Loans (EIDL), which provides working capital loans for small businesses and nonprofits that suffered financial losses, and Business Physical Disaster Loans for small businesses and most private nonprofits to repair or replace real estate, machinery, equipment, and inventory damaged in a declared disaster.

SBA provides low-interest, long-term loans that provide borrowers with favorable terms. Unlike some other assistance, these are loans and not grants and must therefore be repaid. These loans can help ensure you have funding available to continue to pay bills while reimbursements and insurance settlements get finalized or provide a source of credit with more favorable terms than many other lines of credit, such as credit cards. This assistance can be provided in some cases even if the President has not issued a federal disaster declaration, though it does require SBA approval on a disaster-by-disaster basis.

HUD Community Development Block Grant Disaster Recovery (CDBG-DR) Programs

HUD’s CDBG-DR assistance is available only if Congress passes a law and provides funding for it on a case-by-case basis after the President issues a Major Disaster Declaration. As a result, it can take years to become available and is never guaranteed. If approved, funds from Congress are prioritized by local communities for projects that address long term economic revitalization, infrastructure recovery, and housing recovery. The exact programs and levels of assistance are determined based on the assessment of unmet needs and community prioritization across these three recovery areas. By law, the programs funded by this assistance have to primarily benefit HUD-defined low and moderate income communities.

What to Keep in Mind

Programs take time. Long-term recovery assistance may take several months—or more—to roll out.
Funding is limited. Eligibility may depend on income, location, scale of loss, and unmet needs.
Stay connected. Sign up for updates from your local emergency management agency and the Colorado Department of Local Affairs.
Start now. Even if a program isn’t open yet, begin gathering your documents and planning for what your operation will need to recover.

Resources

View Agriculture Resources
View Repair and Rebuilding Resources

Finalize Property Repairs and Close Out Recovery Tasks

As you move through the long-term recovery phase, it’s important to wrap up key tasks like completing construction, closing out claims, and updating property records. These final steps help protect your investment, ensure your operation is compliant with local regulations, and prepare you for future inspections, funding opportunities, or disasters.

Complete Repairs or Rebuilding

Once home, farm, or operational repairs are finished, make sure all work complies with local building codes and ag-specific regulations.

Schedule Final Inspections: Contact your city, county, or local building department to complete any required final inspections on homes, barns, fencing, irrigation systems, or other repaired structures.
Keep Documentation: File all permits, approved construction plans, inspection sign-offs, and contractor warranties in one secure place.
Track Warranties and Service Agreements: If a contractor or supplier provided warranties on repairs or materials, keep track of expiration dates and follow up on issues as soon as they arise.

Close Out Claims and Assistance

To officially close out your recovery process:

Submit Final Documentation: Provide receipts, photos, and work summaries to any agencies or programs you received support from—such as FEMA, USDA, SBA, HUD, or your private insurance provider.
Appeal if Needed: If a claim was denied or partially approved, consider filing an appeal, especially if you now have additional documentation or corrected information.
Consult a Tax Advisor: Disaster-related grants, insurance payouts, or equipment replacements may affect your taxes. A tax advisor can help you account for these changes accurately.

Review and Update Property Records

After major repairs or rebuilding:

Update Legal Documents: Make sure your deed, title, and farm insurance policy reflect current conditions—especially if you’ve rebuilt structures or replaced key equipment.
Notify Local Authorities: Contact your assessor’s office or zoning department if you’ve made structural changes, added new buildings, elevated flood-prone areas, or changed land use.
Reevaluate Insurance Coverage: Adjust your farm or ranch insurance policy to reflect your current buildings, machinery, and operational risks. If you made mitigation improvements, you may also be eligible for better rates or new coverage options.

Completing these steps strengthens your operation’s resilience, protects against future losses, and keeps you eligible for recovery and risk-reduction programs down the line.

Resources

Restore Financial Stability

Recovering from a disaster can leave lasting financial challenges—not just for your household, but for your entire operation. Once repairs are complete and your home or ag facilities are rebuilt, it’s important to focus on regaining financial stability. The steps below can help you manage debt, adjust your budget, and plan for long-term sustainability.

Create or Update Your Post-Recovery Budget

Start by reviewing your income from all sources—farm operations, off-farm jobs, or assistance—and compare that to recovery-related expenses. Include any debts you took on during the recovery process, such as SBA loans, equipment financing, or credit card use.

Don’t forget to account for:

Increased insurance premiums
Equipment maintenance or replacement costs
Fuel, utilities, or feed that may have risen due to the disaster
Temporary housing or operational relocation expenses (if applicable)

Manage Recovery-Related Debt

If you received a loan for rebuilding or business continuity—such as an SBA Economic Injury Disaster Loan (EIDL) or USDA emergency loan—make sure you understand the repayment terms, interest rates, and due dates.

Set up automatic payments or calendar reminders
Keep a written record of how the funds were used (this may be needed for future reporting)
Contact the lender early if you anticipate trouble making payments—many offer deferment, restructuring, or hardship options for producers in distress

Access Long-Term Financial Counseling

Professional financial counselors can help you:

Rebuild your credit
Manage cash flow
Create a long-term recovery plan
Avoid foreclosure or tax penalties

Many HUD-certified housing counselors and nonprofit farm finance organizations offer free or low-cost services tailored to rural communities and producers. You can often access these through disaster case management programs or your local extension office.

Understand Tax Implications

Disaster-related costs, grants, and insurance payouts can impact both your personal and farm taxes. Keep detailed records of all expenses, losses, insurance claims, and rebuilding costs for tax filing and future reference.

A tax advisor—especially one with experience in ag operations—can help you:

Claim eligible disaster-related deductions or casualty losses
Understand how insurance payouts or government aid may affect your taxable income
Explore property tax reassessments for damaged or rebuilt structures
File amended returns for quicker refunds, if eligible

Review and Update Your Insurance Coverage

After recovery, reassess your insurance to ensure it reflects the current value and structure of your operation.

If you’ve rebuilt barns, fencing, irrigation, or added new equipment, your farm or ranch policy should be updated accordingly.
Check your homeowner’s policy as well, especially if you made improvements, additions, or mitigation upgrades (e.g., elevating structures or installing fire-resistant materials).
Ask your agent whether adding or adjusting coverage for flood, wildfire, wind, or earthquake risk is recommended based on your location.

Taking the time to update your finances, records, and coverage after disaster recovery doesn’t just protect your operation—it sets you up for greater resilience, smoother audits or inspections, and better preparedness for future emergencies.

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