Business Owner's
Recovery Journey

If your home is unsafe, damaged, or you can’t get to it, please do not stay there. Your safety comes first. You need to find a temporary place to stay that is clean, safe, and dry. This place should have working bathrooms, appropriate heat or air conditioning, and enough space for you and your family to sleep and keep your basic items.

Temporary shelter can include:

• Staying with family or friends: If someone you know has extra space, this can be a good short-term option. Make sure everyone agrees on how long you’ll stay and what is expected.

• Community emergency shelters: These may be set up in schools, churches, or community centers on a short-term basis. They usually have cots, meals, and bathrooms. Some emergency shelters also help people find longer-term housing.

• Hotels or motels: These options may provide more privacy and most homeowners and renters insurance policies will reimburse these costs. Sometimes there are programs or assistance that can provide vouchers or help pay for these, but these resources are disaster dependent. Keep your receipts—they will be needed later for proof or reimbursement, if available, through insurance, voluntary or philanthropic groups, or FEMA if the President provides special authorization for certain FEMA "Individual Assistance” programs). 

• Trailers or RVs: Some families stay in a camper or trailer parked in a safe place with power and water. These can be used to sleep, cook, and store items while you recover.  Local rules may apply to where and how long you can locate. 

• Short-term rentals or housing programs: State or local groups may help connect you to temporary apartment or rental home options. These may be shared with other families or have support staff on site and may be available for a limited time as a short-term solution.
  
  

Best Practices

• Listen to the news or local emergency alerts. Officials will share updates about where shelters are open and when it is safe to return home.

• Contact your insurance company and file a claim (see Step 2 below). They will assist with temporary housing and basic needs replacement based on your policy.

• When you find a place to stay, write down the address, contact information, and how long you plan to be there. This will help when applying for recovery assistance, registering your children for school, or getting medical help.

• Tell a friend or family member where you’re staying and how long you plan to be there. Share updates if your location changes.

Resources
View Housing and Insurance Resources and Notify Insurance in Step 2 below.

After a disaster, it might be hard to get the food and clean water you need. Stores may be closed, roads might be blocked, or your power could be out. It’s important to act quickly to make sure your household has what they need.

Identify Needs
Start by thinking about what each person in your household needs. Everyone should have 3 to 5 days of food that doesn’t need cooking or a fridge. Each person also needs at least one gallon of clean water each day for drinking and washing.

Also think about:

• Baby food or formula

• Soft or easy-to-open food for older adults

• Food that’s safe for allergies or medical needs

• Pet food and clean water for animals

Write down what you already have and what you still need. This can help you focus when asking for help.

Making Sure Water is Safe
The next step is to make sure your water is safe to use. Don’t drink tap water unless local officials say it’s okay. If you’re not sure, use bottled water if you can. If there is a boil water notice in your area, be sure to follow it. This means boiling the water before using it for drinking, cooking, brushing your teeth, or making baby formula. There are commercially available water purification products, but be aware of their limitations and stated use cases. Do not use any water that looks dirty, smells strange, or may have touched floodwater. Keeping your water clean is a big part of staying healthy after a disaster.

Don’t Wait to Ask for Help
If you’re running low on food and water, don’t wait to ask for help. Everyone needs these essentials during recovery. Getting help early can make a big difference by making it easier to get essentials before you run out and preventing bigger problems later on. You are not taking resources away from anyone—these services exist to support you and your family. Reaching out is a smart and necessary step in taking care of yourself.

Resources
View Food Resources

Taking care of your health is just as important as finding food and shelter. You may have left medications behind, lost access to medical equipment, or had important health supplies damaged. It’s important to act quickly to stay safe and avoid complications or serious health problems.

Identifying Your Medical Needs
Start by making a list of all the medicine and health supplies your family uses. Write down the name of each item, who uses it, how much they need, and how often they take or use it. This can include prescription medicine, inhalers, injections, allergy medicine, over-the-counter items, and equipment like oxygen tanks, CPAP machines, or wheelchairs.

Look for old pill bottles, pictures, or documents that show what you were using before the disaster. These can help when you talk to a doctor or pharmacist.

Replace What’s Missing or Damaged
If any of your medicine or medical supplies are lost or no longer work, try to replace them as soon as you can. Call your pharmacy, doctor, or local clinic to ask for an emergency refill. Many pharmacies can give you new medicine quickly, especially if the area is under a disaster declaration. If you don’t have your prescription, ask if they can find it in their system or call your doctor to confirm it.

If you use medical equipment that needs electricity—like a CPAP machine, oxygen machine, or power wheelchair—check to see if it still works and can be safely charged. If not, ask someone at a shelter, recovery center, or health site if they can help you find a place to charge it or help you get a replacement.

Plan for Ongoing Medical Support
If you or someone in your household has a chronic illness, disability, or special health need, tell shelter staff or a caseworker right away. They can help in getting your needs are met and getting you placed in a safe and comfortable space. This may include access to refrigeration for medicine, quiet rooms, medical transport, or extra time for rest and recovery.

Best Practices

• Keep a written health checklist for your household and inform shelter or support staff of any conditions or accommodation you may need.  

• Carry a simple health summary with you that lists key information—like medications, allergies, medical conditions, and emergency contacts—in case you're separated from your regular doctor or clinic.

Resources
View Medical Resources 

Having clean clothes and basic personal care items can help you stay healthy and feel more comfortable after a disaster. If you had to leave quickly or if you lost your things, start by finding clean clothes that are right for the weather for each person in your home. Be sure to include socks, underwear, and extra layers like jackets or sweaters. Strong, closed-toe shoes are also important to protect your feet when walking through damaged or wet places. If you can’t use a washing machine, try to air out clothes between uses and keep clean and dirty clothes in separate bags or containers.

Taking care of your body is also important. Try to get toothbrushes, toothpaste, soap, deodorant, hand sanitizer, toilet paper, and other items your family uses every day. Menstrual products, adult incontinence supplies, and baby care items like diapers and wipes are also important. If you’re staying in different places, keep these items in a waterproof bag or container so they stay dry and are easy to carry.

After disasters, voluntary organizations and support organizations often help connect impacted individuals with resources to meet these needs. There are often many people eager to support their neighbors and fellow Coloradans to ensure these basic needs are met right away.

Best Practices

• Pack a small “go bag” with clean clothes and hygiene items that you can carry with you if needed.

• Use resealable plastic bags or waterproof containers to protect items from getting wet or dirty.

• If you're sharing space with others, keep your personal items in one place so they’re easy to find.

• When possible, change clothes daily and clean your hands often to avoid illness.

Resources
View Immediate Assistance Resources

In the days after a disaster, your animals may feel scared, hurt, or lost—just like people. Whether you have a dog, cat, service animal, other pet, or farm animals, taking quick steps to care for them will help keep everyone safe and calm during recovery.

Caring for Pets and Service Animals
If your pets or service animals are with you, keep them close and safe. Don’t let them walk around alone—disaster areas can have large construction equipment, broken fences, sharp objects, or standing water that can be dangerous. Use a leash or pet carrier when moving them, and try to keep them in a quiet, safe place if you are staying in a shelter or with other people.

Microchips 

A microchip identification implant is a small chip on your animal that provides a permanent, reliable way for professionals including vets and shelter staff to quickly identify your animal and access your contact information to be able to reunite you if they get lost or separated from you. This may be most useful to do before a disaster, but can still be very valuable to do after a disaster as the stress of the event and potential displacement make it more likely for your animals to get separated from you. 

If your contact information has changed since getting your animal(s) microchipped, make sure to update your contact information with the company they are registered with. You can look this information up using their chip number (contact your vet if needed) via the national Microchip Registry Lookup tool (see the Animal Care Resources link below).

Right after the disaster:

• Give them small amounts of food and clean water often

• Check for signs of injury or sickness, like limping, shaking, or hard breathing

• Try to keep familiar items close, like their bed or toys, to help them feel calm

• If you can, keep them away from smoke, chemicals, or loud noises
  
  

If your pet is missing, contact local shelters and animal control. Areas may set up special pet shelters or tracking services after disasters. Keep a photo of your pet on your phone or printed out in case you need to prove the pet is yours.

If your shelter or temporary home doesn’t allow pets, look for places nearby that offer emergency pet care. Some animal rescue groups and vet offices provide short-term care for pets who have lost their homes.

Best Practices

• Treat your pets as part of your family’s recovery plan. Animals can feel stress or get sick after a disaster, so giving them care early is important.

• If you suspect injury or illness contact your trusted veterinarian. View the Animal Care Resources section to find organizations that can help if you need additional resources. 

• Consider microchipping your animals and make sure your contact information is up to date on all animals you have microchipped. Update contact information as needed. 

Resources
View Animal Care Resources 

After a disaster, you may need ID and important documents to get help, return home, or prove who you are.

Gather What You Still Have

Start by finding any documents you still have. These may include your driver’s license or state ID, Social Security card, birth certificate, health or insurance cards, or documents that show where you live, like a utility bill, lease, or mortgage statement. If you use the MyColorado app, this is a great place to start as it serves as an electronic version of your driver license or state-issued identification (ID) card and provides secure and convenient access to state services

If you have immigration papers, a green card, or car registration, keep those too. Store everything in a waterproof folder or plastic bag and keep them in a safe place.

If you can, take a photo of each document with your phone and make a secure backup of them on a trusted, encrypted “cloud backup” service. This gives you a backup in case they are lost again.

Write Down What’s Missing
If anything is missing or ruined, make a list. Write down the name of the document, what it’s used for, and what it included—like your full name, date of birth, or address. This helps when you’re ready to ask for a new one.

If You Lost Your ID
If you lost your ID, things might be harder—but you still have options. Tell staff at the shelter or recovery center that your ID was lost in the disaster. They may still be able to help you.
Try to show other documents with your name and address—like a photo of your ID on your phone, a bill or lease, a pay stub, or a medical card. If you don’t have anything, they may ask you questions to check your identity.

Some places may give you a temporary ID or a letter that helps you apply for services. This could come from a shelter, caseworker, or local office.

View Document Replacement Resources for more detailed information on replacing specific records.

Best Practice

Keep your important documents in a safe, dry place. Take photos of them in case you lose them again. Save copies to your phone or email so you can get to them anytime.

Resources
View Document Replacement Resources

Jump to: 

Early Recovery/Step 1.5: Replace Important Documents

Being able to make phone calls and use the internet is very important during disaster recovery. You may need to call for help, fill out forms, check for updates, or talk to loved ones. If your phone or internet is not working, there are still ways to stay connected.

Keep Your Phone Working

If you still have your phone, try to keep it charged. Turn off apps or features you don’t need to save the battery. Lower the screen brightness, close extra apps, and turn on airplane mode when you’re not using the phone.
Write down places where you can charge your phone safely, like a shelter, library, school, or community center. If you’re using a public charging station, stay close to your phone so it doesn’t get lost or taken. Make sure you have a charging cable that fits your phone and consider purchasing an external battery pack to be able to recharge your phone on the go or if you don’t have reliable access to electricity. 

Use Public Wi-Fi When Needed
If your phone service or data plan isn’t working, look for places with free Wi-Fi. Many libraries, government offices, and relief centers have internet you can use. These places can help you fill out forms, check email, read updates, and connect with others.
Be careful when using public Wi-Fi. Do NOT log into bank accounts or give out personal information unless you know it’s a trusted network.

If You Lost Your Phone or it Stops Working
If you lost your phone or it was damaged, write down phone numbers for people you might need to contact—like family members, doctors, case workers, or your child’s school. Try to remember as many as you can. Ask friends or family if they can help you get these numbers.


Many shelters and recovery centers have phones you can use for local or emergency calls. You can also ask about getting a new phone from a nonprofit group, cell phone provider, or local organization. Some programs give free or low-cost phones to people affected by a disaster. Follow the Phone and Internet Resources link for program information. 

Back up Critical Information in Safe Places
If you can use a computer or other device, save important phone numbers, documents, and login information in your email or a cloud account. This way, if you lose your phone or it stops working again, you can still get your information back.

Write down emergency contact information somewhere you can access if your phone stops working. Think through close family and friends you might need to reach and store their contact information somewhere safe that you’ll be able to access even without your phone. 

Two-Factor Authentication 

Think through which accounts require two factor authentication through your phone (e.g. email, bank accounts, etc.) and have a backup plan for accessing them. This may include setting up a backup phone number for authentication purposes, having phone numbers and hard copies of your documents, or other strategies depending on the account. 

Best Practices

• Keep a written list of important phone numbers in case your phone is lost or out of battery.

• Charge your phone whenever possible and carry a portable charger if you have one.

• Avoid sharing personal or banking information on public Wi-Fi networks.

• Use trusted websites or apps when filling out forms or checking for updates.

• If you get a new phone, save your contacts and info in an email or cloud account for backup.

• If you use 2-factor authentication on digital accounts, have a plan to access your information if you lose use of your phone 

Communication Resources
View Phone and Internet Resources

After a disaster, getting around can be hard—but having a simple transportation plan can help you take care of urgent needs like getting medical help, picking up supplies, or checking on loved ones. Whether or not you have a working car, it’s important to think about how you will travel during this early recovery time.

Use Your Vehicle Safely

If your car or truck still works, check it carefully before using it. Look for damage, flat tires, or debris around the vehicle. Make sure you have gas, keeping in mind that some gas stations may still be closed. Keep basic items in the car, like bottled water, snacks, a flashlight, and a phone charger.

Before driving, check local news or a map app (if you have internet) to make sure the roads are open and safe. Try to combine trips to save fuel and avoid driving in dangerous areas or waiting in long lines.

If you are staying in your car, crack the windows for fresh air. Never run the engine in an enclosed area.

Find Other Ways to Get Around
If you don’t have a car or it was damaged, make a list of the places you need to go. This might include the pharmacy, a clinic, a school, a shelter, or a place to get food and supplies. Once you know where you need to go, look for ways to get there.

Some options may include:

• Local buses or transit routes

• Ride share services, if they are operating

• Shuttles provided by emergency groups or the city

• Help from a church, community group, or volunteer drivers

Write down or save in your phone the places you need to visit, how often you go there, and the travel options available. This will help you plan better and save time and energy.

Ask for Transportation Help

If you can’t travel on your own, tell staff at a shelter, a caseworker, or someone from a local support group. Many communities offer free rides or special help for seniors, people with disabilities, or anyone with urgent needs. This can include ride vouchers, medical rides, or group vans. Even if you’ve never used these services before, they may be free and available during recovery.

Best Practices

• Always check your vehicle for safety before driving.

• Keep your gas tank as full as possible and plan trips wisely to save fuel.

• Save contact numbers for local transit, ride services, or shuttle programs.

• Ask early if you need transportation help—don’t wait until it’s urgent.

• Write down your most important destinations and how you plan to get there.

• Keep basic supplies in your vehicle in case you get stuck or delayed.

Resources
View Transportation Resources

Some people need extra help after a disaster. Children, older adults, and people with disabilities may have a harder time in loud, crowded, or stressful places. Taking simple steps early can protect their health, lower stress, and help families stay safe and supported.

Helping Children

Disasters can be scary and confusing for children. They may not know how to explain what they feel. Some signs of stress may include crying, acting out, not sleeping well, or staying close to a parent. Try to keep routines the same each day—even in a new place. Talk to your child in a calm, honest way and let them ask questions.

Keep special items nearby, like a favorite toy or blanket. Let children help with small tasks to give them a sense of control. If your child is separated from you, tell shelter staff or emergency workers right away.

If your child is not able to go back to school yet, ask about temporary learning programs or virtual school options. Getting back to learning—even a little—can help them feel more normal. If childcare is closed, look for safe play areas at recovery centers, churches, or community groups.

Keep a written card with your child’s name, birthdate, health needs, and your contact details in their backpack or pocket in case of separation.

Helping Older Adults

Older adults may have trouble seeing, hearing, remembering, or walking—especially in unfamiliar or loud places. Make sure they have their daily needs like medicine, hearing aids, glasses, or walking aids and find out if they require medical attention. Write down their health problems, medication list, and emergency contact numbers. 

Some older people may feel confused or disoriented even if they don’t normally have memory issues. If an older adult lives alone, set up regular check-ins with neighbors or volunteers. It is recommended to check in on older adults daily because new resource needs may arise and circumstances can change and develop quickly. Daily check-ins can help prevent issues from cascading. Remind them to rest, drink water, and ask for help when needed.

If they lost legal documents like a power of attorney or healthcare wishes, talk to a local legal aid group. Replacing these documents early can prevent problems later.

Provide older adults with information about where they can go to get information in person, including resources like disaster assistance centers.

Find out if the older adults are able to provide for their own transportation. Voluntary organizations supporting disaster recovery may be able to help with transportation, replacement food, medicine and other critical needs.

Helping People with Disabilities

People with disabilities may need extra help to move around, talk with others, or stay in a safe place. If someone in your household uses a wheelchair, walker, hearing aid, or medical device, check that it still works. If any items were lost or broken, ask a recovery center or doctor about replacement programs.

People with disabilities have the right to stay in shelters that meet their needs. If restrooms or sleeping areas are not accessible, talk to shelter staff or your caseworker for help.

Some people need help communicating. They may use written notes, sign language, or pictures. If these tools are not available, explain how they best communicate and ask for support.

If someone has a service animal, they can keep the animal with them in shelters or public places. Make sure the animal has food, water, and a quiet spot to rest. If the animal is lost, report it immediately.

Some medical equipment—like power wheelchairs or breathing machines—needs electricity. Ask where you can safely charge the equipment or find a shelter that has backup power.

Best Practices

• Create a list of resource needs for each person in your household tied to communication, maintaining health, independence, support services, safety, and transportation.

• Keep medications, health tools, and comfort items together and easy to reach.

• Let staff at shelters or recovery centers know if someone needs extra help.

• Make sure service animals stay with their owners and have what they need.

• Ask about power sources for medical devices if electricity is not available or unreliable.

• Look for support groups or caseworkers who can help you find needed services.

Resources
View Child Resources
View Senior and Disability Resources

In the days and weeks after a disaster, getting food, shelter, and safety is the first priority—but your emotional and mental health matter just as much. Losing your home, daily routine, or sense of safety can cause serious stress. This stress can result in a sense of having a foggy brain and can make it difficult to make decisions, focus on work and communicate. This stress can also disrupt relationships, school work and mood. These experiences may not be easy to see, but they are real and important.

Noticing how the disaster is affecting you early on can help you and your family recover better. It’s normal to feel overwhelmed, anxious, angry, confused, irritable, sad, or numb—and support is available. Many crisis counseling and mental health services are free and private during this time. Getting help early can stop bigger problems later and help you navigate the recovery process over the long term.

Start by checking in with how you’re feeling. If you feel constantly stressed, numb, easily upset, or are having trouble sleeping, eating, or thinking clearly, you may need extra support. These are common signs after a disaster and should be taken seriously.

If you’re having a hard time, talk to someone. This could be a family member, friend, counselor, or doctor. Sharing your experiences and feelings can help you feel less alone.

You can also look for local services. Many areas have mental health centers, mobile crisis teams, or public health departments that offer free help after a disaster.

If you’re caring for children, older adults, or people with disabilities, make sure to find help that fits their needs. Some providers are specially trained to work with people of different ages or abilities who have been through trauma.

You can also speak with your regular doctor. They can check on your mental health and refer you to other services if needed.

Best Practices

• If you are in crisis, call or text the Disaster Distress Helpline at 1-800-985-5990 or text “TalkWithUs” to 66746.

• Save mental health numbers in your phone or write them down in case you lose service.

• Don’t wait until you feel worse—getting help early leads to a faster, stronger recovery.

• Try different kinds of support: one-on-one counseling, support groups, medication, or faith-based care can all help.

• Make time each day for simple self-care, like going for a walk, writing in a journal, praying, connecting with others, or taking deep breaths.

Taking care of your mental health is part of disaster recovery—not something separate. When you feel more steady and supported, it’s easier to make good decisions and help your household move forward.

Resources
View Mental Health Resources

Jump to: 

Reconnecting with Community Support/Step 2.4: Getting Back to Business

Emotional and Community Recovery/Step 3.2 Build Emotional and Community Resilience

Information about safety, cleanup, road access, weather, and community services can change daily. Signing up for emergency communications ensures you get these updates as soon as they’re available.

Emergency communications to sign up for or follow:

• Local emergency alerts through your county or city government websites

• Wireless Emergency Alerts (WEA) on your mobile phone—these are often automatic, but check your phone settings to be sure

• Text or email notifications from FEMA, the American Red Cross, or your local emergency management office

• Radio updates or alerts from local TV and news stations, especially if power or internet is down

• Social media from your local emergency emergency management office and local government (via Facebook, Instagram, X, etc. based on what your community uses) 

• Bookmark emergency and disaster recovery websites specific to the disaster you experienced. These may include dedicated pages managed by your city or county and/or its emergency management office, the Colorado Department of Homeland Security and Emergency Management (DHSEM), and 2-1-1. 

If you’re in temporary housing, update your current location when signing up so you receive alerts for the area where you’re staying. Encourage everyone in your household—including children, older adults, and people with disabilities—to know where to get information and what to do in an emergency.

Keep a battery-powered or hand-crank radio on hand to receive emergency broadcasts if the power goes out.

After a large fire, the flood danger can change a lot and areas that have never flooded before can be at risk of flooding since rain that falls over a burn scar may not be able to soak into the ground and there is often no vegetation left to slow it down. As a result, if there is enough rain, flash flooding and debris flows can happen quickly. In these cases, flooding danger can extend far beyond the perimeter of the fire. Communities, properties, and roadways miles downstream from a burn scar can be overwhelmed without notice when an upstream storm dumps rain on the burn scar. The Colorado Flood Threat Bulletin provides daily flood threat information, including burn-area-specific forecasts. These can be sent automatically to your email using the "Subscribe" button. Real time alerts and warnings area available from the National Weather Service. 

Resources
View Emergency Alerts Resources

Shortly after a disaster, local governments and municipalities may open a Disaster Assistance Center (DAC), depending on the specifics of the disaster and the needs following it. Check your County Emergency Website for potential resources including DAC locations and times. Your community may also set up a ‘virtual DAC’ if a physical location is not feasible or needed.

DACs may serve as a central location to help households access housing support, food, insurance guidance, mental health care, and business recovery resources.

While it may take a few days for a DAC to open, checking for updates and visiting once it's available can ensure you stay informed, connected, and able to access the help you need.

Resources
View DACs

Once your family’s immediate needs are met, contact both your personal and business insurance providers, even if you’re not yet sure of the full extent of the damage. Before submitting a claim, verify that you have the appropriate coverage for the type of loss. For example, a standard homeowner policy does not cover flood damage. Making a claim for flood damage could result in a denied claim on your property. 

Early contact allows your insurance provider to walk you through the next steps, explain documentation requirements, and ensure you're meeting critical deadlines. 

In some cases, notifying your insurer may also unlock immediate assistance—such as advance payments for personal items such as clothing and toiletries, relocation, or temporary housing stipends if your home or rental property is uninhabitable. The sooner you connect, the more options you may have.

Best Practices 

• Contact your insurer to file a claim right away by calling or accessing your insurer’s website or portal: Your insurance policy may provide coverage to help with your recovery needs and engaging the company right away may open up those resources more quickly. Do not delay filing a claim to try to maximize government assistance. Government assistance can not duplicate or provide assistance that your insurance policy is supposed to cover, so delaying filing with insurance only delays your access to resources.

• Identify all relevant policies: This could include homeowners, renters, landlord, business property, business interruption, auto, and flood insurance.

• Keep all receipts: If you are displaced from your home or need to make temporary repairs to prevent further damage, keep all of your receipts. These expenses may be reimbursed by your insurance company.

• Document each communication: Note the date, time, and method of each communication. Include the name of the representative you spoke with and any claim or reference numbers provided.

• Ask about immediate support: Inquire whether your policy includes temporary living or operating expense coverage, and if so, how to access those funds.

• Don’t wait for full damage documentation: You can begin the claim and add details later. Taking this early step signals good faith and ensures you meet your policy’s deadlines.

• Start a claims folder: Keep all correspondence, claim numbers, photos, receipts, and notes in one place—digitally or in hard copy—for easy access throughout the process.

• Establish an easy to access mailing address: Use this address for official mail and documentation if your primary mailing address is undeliverable or will be difficult for you to access. 

• Seek assistance from experts when you need it: experts like those at the Division of Insurance (DOI) and United Policyholders have valuable expertise and provide resources technical guidance via their websites (see the Insurance Claims Resources link below for more information). 

Taking this step early—before inspections or assessments—sets the foundation for a smoother recovery, both for your household and your business.

Resources
View Insurance Resources

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.  Though the real flood threat may be substantially higher after a fire, the cost to purchase flood insurance remains unchanged as the FEMA flood maps hold steady.

Acting quickly to get a policy through the National Flood Insurance Program (NFIP) can help you be covered in the case of a flood and avoid costly flood losses. It typically takes 30 days for a new flood insurance policy to go into effect. However, in eligible cases where policies are covered by the Post-Wildfire Exception, coverage can start sooner if flooding is caused by post-wildfire conditions. These claims may be reviewed on a case by case basis. 

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

While having flood insurance is key to being covered in the case of flooding, the best thing to do it to avoid or limit flood damages where possible. Communities may provide sandbag materials, which can help keep floodwaters away from vulnerable areas. Use emergency alert resources (see above) to keep updated on whether there are flash flood concerns in your area and take action to keep you and your family safe by avoiding flood prone areas.

Resources
View Insurance Resources

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 immediate assistance 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.

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 

Before you go back into your property after a disaster, take time to make sure it’s safe. Even if the structure looks okay, hidden dangers like gas leaks, electrical hazards, or contaminated water can put your health at risk. A careful inspection now can prevent serious harm and help protect your recovery options.

Do a Full Safety Check
Wait for local authorities to confirm your area is safe to enter. 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. Look for visible damage, fallen power lines, strong smells, or structural issues like leaning walls or sagging roofs. If anything looks unsafe, do not go inside—leave and contact emergency services or a professional inspector.

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.

Do not use elevators in multi-level buildings. Avoid standing water, which may contain sewage or hidden electrical hazards. If flooding occurred, do not turn on the power or gas yourself—have utilities checked by a licensed professional first.

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
Gas, electric, and sewer lines can be damaged even if they appear normal. Do not reconnect power or gas yourself. If you smell gas or hear a hissing sound, leave the area immediately and call your utility provider or 911.

Water-damaged wiring or outlets can cause fires. Avoid turning on lights, appliances, or circuit breakers unless cleared by a licensed electrician. If your sewer system is backed up, do not use sinks, toilets, or drains until a professional has inspected the lines.

Check Water and Well Safety
Do not drink tap water unless your local water provider confirms it is safe. If you rely on well water, it may have been contaminated by floodwater, chemicals, or bacteria.

Have your well tested if you notice discoloration, odors, or if floodwater reached your property. Until it’s confirmed safe, use bottled water for drinking, brushing teeth, cooking, and washing. If a boil water advisory is in place, follow all public health directions carefully.

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

Check for Smoke and Soot Damage
If your property was near a wildfire or structure fire, inspect for smoke, ash, and soot buildup—even if flames never reached your property. Smoke can settle in walls, furniture, and air systems, causing long-term health problems and damage.

Wear a mask and gloves when cleaning, and avoid dry sweeping ash. Ventilate the space by opening windows and running fans (only if power is confirmed safe). Items like carpeting, insulation, and fabric furniture may need to be discarded or professionally cleaned.

Ash and soot may contain toxins, especially if plastic, treated wood, or chemicals burned nearby. If you feel unwell or notice strong odors, leave the area and seek guidance from health or environmental authorities.

Mold may also develop in water-damaged pipes or appliances. Use caution when cleaning and consider seeking professional remediation if the damage is severe.

Check for Mold and Indoor Air Quality
If your property experienced flooding or water damage, mold can begin growing in as little as 24 to 48 hours. Mold isn’t always visible—it can grow behind walls, under floors, or in insulation. Poor indoor air quality caused by mold, soot, or moisture can lead to breathing problems, headaches, or allergic reactions, especially for children, older adults, and people with asthma or other health conditions.

Start by ventilating the area if it’s safe to do so—open windows and use fans only if the power system has been cleared by an electrician. Use protective gear such as an N95 mask, gloves, and goggles when entering spaces that may contain mold. Do not dry sweep or vacuum mold or ash with a regular vacuum; use only a HEPA-filtered vacuum designed for this type of cleanup.

Remove water-damaged items like carpet, drywall, ceiling tiles, or fabric furniture that cannot be fully dried. If mold is widespread or growing in hard-to-reach areas, contact a licensed mold remediation professional. Avoid using bleach in enclosed areas—use cleaning products recommended for mold and follow safety instructions on the label.

Resources
View Safety Resources

Now that you’re back on the property, the next step is to reconnect with your insurance provider and begin assessing the damage for your claim. 

Moving quickly to document conditions and understand your coverage will help prevent delays, protect your eligibility, and ensure you have the right information to support your case.

Request a full copy of your policy and review:

• What types of damage are covered

• Any exclusions that may apply

• Deadlines or documentation required to file a claim

Typical commercial insurance coverage may include:

• Structural damage to buildings

• Damaged equipment, furnishings, tools, or inventory

• Business interruption insurance to help cover lost income and fixed expenses

• Extra expense coverage for temporary relocation or emergency operations

Before making any repairs, ask your insurance company what qualifies as immediate or emergency repairs and what documentation they need. Keep receipts for any emergency repairs that are completedSome policies require approval before non-urgent work is done to ensure reimbursement.

Documentation You May Need

• Contractor or vendor estimates for repairs or replacement

• A detailed inventory of damaged or destroyed items with estimated values

• Photos and/or videos of damages

• Receipts, photos, and written descriptions of any emergency repairs you made to prevent further damage

Whether you file a claim can be dependent on your specific circumstances. It is important to consider a couple things: 

• Filing a claim, even if it is not paid, can impact the insurance premiums or availability of insurance for that property, for you or a future purchaser of that property. If the damage is below the deductible or there is no covered damage, you might not want to file a claim. 

• To be good stewards of taxpayer dollars, federal assistance often must account for all other forms of assistance that is due to you for a similar purpose, including insurance. If you have insurance, federal programs often have to deduct any amount that was owed to you, whether or not you requested it or received it. As a result, to be eligible for certain programs (e.g. certain FEMA and HUD programs), you must document your insurance claims (even if they are denied) for your application to be considered. 

Best Practices

• Get instructions in writing. Ask your adjuster to send repair approvals, claim numbers, and required documentation by email or letter.

• Track every communication. Keep a log of each call or email, including the date, the representative’s name, and a summary of the conversation.

• Clarify repair limits. Confirm what types of immediate work are allowed (e.g., boarding up windows, water removal) and whether advance approval is required for anything else.

• Ask about continuity coverage. Your policy may provide temporary funding for payroll, operations, or moving to a temporary site.

Keep all documentation—including receipts, estimates, and correspondence—in a secure file, both digitally and in hard copy. Even if you’re unsure whether damage will exceed your deductible, filing a claim may still be necessary to qualify for future disaster assistance or public aid programs.

Resources
View Insurance Resources

Once your commercial property has been cleared for re-entry and confirmed safe, one of the most important next steps is to thoroughly document the damage.  

Detailed records will help support disaster assistance applications, insurance claims, and any potential audits or reassessments. A complete inventory and visual record can also protect you from delays or disputes later on.

Create a Business Damage Inventory
Begin by creating a list of everything that was damaged, lost, or destroyed. This is your business damage inventory, and it’s important to start while the details are still fresh—even if you revise it later.

Walk through your business location, both inside and outside, and document:

• Name of each damaged item (e.g., “point-of-sale terminal,” “commercial refrigerator,” “inventory shelving”)

• Model/serial number (if available)

• Approximate cost and year purchased

• Brief description of the damage (e.g., “water-damaged electronics,” “roof leak above storage area”)

Be thorough. Include:

• Office equipment and electronics

• Machinery or tools

• Business inventory or merchandise

• Furniture and fixtures

• Signage, safety equipment, or specialty materials

• Items stored in storage rooms, warehouses, delivery trucks, or outbuildings

If you're unsure about a cost or purchase date, estimate it for now. You can update the list later using receipts, financial records, or photos. Store your inventory in a safe location and make a digital copy as a backup.

Take Time-Stamped Photos of Damage
Photos are often required by insurance companies, FEMA, SBA, and other assistance programs as visual proof of your losses. Time-stamped photos help verify that the damage occurred during the disaster period.

Before removing, cleaning, or discarding anything, use a phone or digital camera to take:

• Wide shots of each room, work area, storage space, and the building’s exterior

• Close-ups of damaged equipment, structural issues, ruined merchandise, or supplies

• Photos from multiple angles of larger damage, like collapsed ceilings or broken HVAC systems

• Evidence of flooding, soot, fire damage, or mold

• Images of debris piles or discarded inventory

Make sure your device’s date and time settings are turned on. If you're using a camera that doesn’t time-stamp photos, take notes that describe what’s shown and when it was taken.

Whenever possible, include context. For example, if a display shelf is damaged, take a photo of the entire display area, then zoom in on the specific damage.

Use Pre-Disaster Photos (If Available)
If you have any images of your business before the disaster—such as marketing photos, Google listings, employee pictures, or inspection reports—save them with your damage documentation. These can help establish the condition of your business prior to the event and strengthen your claims.

If your building is safe to enter and operate from, you may choose to make emergency repairs to prevent further damage or protect the safety of your staff and customers. These short-term actions can help stabilize your business—but it’s important to understand their limitations. 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. 

Examples of Emergency Repairs for Businesses:

• Tarping or sealing a damaged roof to prevent leaks

• Boarding up broken windows or doors to secure the premises

• Removing debris that blocks entryways, exits, or emergency access

• Pumping out standing water in office, retail, or warehouse spaces

• Shutting off damaged utilities (gas, electric, water) to prevent injury or fire

• Covering exposed wiring, holes, or sharp debris that pose safety hazards

Never attempt to repair gas lines, electrical systems, or plumbing unless you are licensed and qualified to do so. Unqualified repairs can be dangerous and may delay inspections, reopening, or recovery funding.

If you suspect damage to major systems, turn off the utility at the source and contact your utility provider immediately. Before restarting key systems like HVAC units, water heaters, or electrical panels, schedule an inspection with a licensed professional.

Document Everything
Emergency repairs—no matter how minor—should be well documented:

• Take time-stamped photos before and after each repair

• Keep all receipts for tools, materials, and safety gear

• Track tasks and costs in a written log or digital file

• Save professional invoices and quotes, making sure they include: Business name and address, contractor or vendor name and contact info, date of service, itemized description of the work or materials used, total cost and payment receipt

This documentation is essential for insurance claims, SBA disaster loans, and state or local recovery programs, all of which may request proof that work was necessary, temporary, and properly handled.

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. 

After you’ve made any emergency repairs to your property, the next step is to begin removing debris. 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.

Start with Safety
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). 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.)

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. 

Sort and Organize Debris

Separate all debris into clear categories to support safe handling and proper disposal. Common categories include building materials, damaged furniture, appliances, electronics, hazardous items like paint or propane tanks, and yard waste. Keep each pile separate to avoid cross-contamination and to follow local disposal guidelines. If you’re unsure where or how to dispose of certain materials, contact your local solid waste agency or public works department.

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, dump fees, 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.

Resources
View Property Cleanup Resources

Whether you're making emergency repairs, removing debris, coordinating help from volunteers, or planning long-term rebuilding, it’s essential to get written estimates and check local permit requirements.

Clear documentation and proper approvals help ensure the work is done safely, meets local building codes, and keeps your business eligible for disaster assistance, insurance claims, or future inspections.

Get Written Quotes for All Work
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. 

This 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
Permits ensure that recovery work is done safely, up to code, and legally recognized by assistance programs or insurers. 

Before beginning any significant repairs, take the following steps:

• Contact your city or county permitting office, even if you're unsure whether a permit is required

• Ask about emergency permitting processes, which may be in place to expedite disaster-related repairs

Verify permit requirements for:

• Roof replacement or repair

• Electrical and plumbing systems

• Structural work, foundation repair, or demolition

• HVAC or mechanical systems

• If you're working with a contractor, confirm that they will obtain all necessary permits—and don’t make final payment until the work passes inspection and permits are officially closed

Keep Everything in Your Recovery File

• Copies of all written quotes, even from jobs not pursued

• Permit applications, approvals, and inspection reports

• Emails or letters from the permitting office or contractor

• Receipts and invoices for any repairs or materials used

Proper documentation supports your eligibility for recovery funding, insurance reimbursement, and ensures the repairs won’t create liability issues down the road. Treat every repair—big or small—as part of your business’s long-term investment.

Following a disaster, open and timely communication with your employees and customers is critical. It helps manage expectations, maintain trust, and support your long-term recovery.

Communicate with Employees
Your employees are among your most important assets. Clear communication ensures they feel informed, valued, and supported—even during uncertainty.

What to Do

• Check on their well-being: Start by reaching out individually or through group communication to confirm employees’ safety and any immediate needs they may have.

• Share current business status: Be honest and transparent about the condition of the business, estimated reopening timelines, and any changes to work schedules, location, or responsibilities.

• Provide guidance on pay and benefits: Inform staff about available leave, payroll changes, or layoffs. If benefits are affected, direct them to available support (e.g., unemployment, COBRA, or employee assistance programs).

• Offer resource referrals: Point employees to disaster-related support programs such as FEMA, state unemployment services, housing support, or mental health resources.

• Set up a communication channel: Establish a consistent way to provide updates, such as a private Slack channel, text thread, email list, or phone tree. Let employees know when and how they can expect future updates.

Communicate with Customers and Clients
Keeping your customers informed protects your reputation and encourages loyalty, even if you’re temporarily unable to serve them.

What to Do

• Post updates across all platforms: Share your business status on your website, social media, storefront signage, voicemail greeting, and other digital sites like your Google Business Profile and Apple Business Connect.

• Clearly state if you are open, temporarily closed, offering limited services, or operating remotely.

• Include any changes to hours, order fulfillment, shipping, or service methods.

• Explain the situation briefly: Let your audience know your business was affected by a disaster and you’re actively working on recovery. Express appreciation for their patience and continued support.

• Offer ways to stay engaged (if possible): Suggest alternative ways for customers to support you, such as purchasing gift cards, placing pre-orders, booking future appointments, or referring others.

• Respond to inquiries: Assign a staff member or use an automated tool to answer common questions from customers during downtime.

Best Practices

• Be consistent: Keep your messaging aligned across all communication channels to avoid confusion.

• Be timely: Share what you know early—even if you don’t have all the answers yet. Regular updates can go a long way.

• Be empathetic: Acknowledge that your customers and employees may also be affected by the disaster. Let them know you’re in it together.

If your property is damaged or not safely accessible, it’s important to contact your mortgage or loan lender, as well as any other of your business financial institutions.  

Contacting Lenders
When you contact your lender, explain the condition of your property and ask whether you qualify for disaster-related payment relief, including temporarily pausing or reducing payments. 

If you plan to file an insurance claim, ask how your lender handles those funds. In most cases, insurance payments for structural repairs are made out to both you and the lender, and a release process will need to be followed.

Ask your lender what paperwork is required, how to submit repair estimates, and whether inspections will be needed before funds are released. 

If you’ve lost loan documents or can’t remember who your servicer is, check your most recent mortgage statement, contact your insurance agent, or review your credit report for contact information.

Best Practices

• Keep a written record of all communications with your lender, including dates, names, and instructions.

• Request written confirmation of any approved payment relief or insurance handling processes.

• Don’t start permanent repairs until your lender confirms what documentation is needed to release insurance funds.

• Ask if your loan includes a repair escrow and whether inspections are required during construction.

• Stay in regular contact with your loan servicer to avoid delays and ensure your recovery efforts stay on track.

Some recovery assistance programs require that repairs meet permitting and inspection standards. Your lender can help ensure your process stays eligible for additional aid.

Contacting Banks
Disasters can disrupt direct deposits, automatic payments, access to funds, and loan obligations. Contact your bank or credit union as soon as possible to report your situation.

Let them know if you’ve lost access to your debit cards, checks, or online banking, or if you expect delays in income. Ask how to pause automatic payments, waive late fees, or access emergency funds. If you’re using disaster assistance or insurance funds, confirm how to safely deposit or access large checks.

It’s also important to update your contact information, especially if you’ve had to relocate. 

If you’ve lost account documentation or online access, ask what steps are required to verify your identity and reset your credentials securely.

Best Practices

• Review all account activity regularly for errors, especially if you've lost checks or cards.

• Request paper statements or secure email summaries if digital access is disrupted.

• Keep copies of financial documents, such as account numbers and routing information, in a secure, waterproof folder.

• If you’re expecting disaster assistance payments, verify how and when funds will arrive—some may be sent by direct deposit, prepaid card, or check, depending on the program. Your bank can help you track and access these safely.
  
  

Resources
View Financial Resources

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 property cannot be safely accessed. Ask about any inspections or approvals needed before power can be restored.

• Natural Gas – Notify your gas company if your service was interrupted or any 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

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.

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

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
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Replacing your business identification and legal paperwork is a critical step in restoring operations after a disaster. These documents prove that your business is properly registered and authorized to operate. They’re often required when applying for recovery assistance, insurance claims, reopening permits, or accessing financial services.

Key Documents to Replace or Verify

• Business License or Registration Certificate: Typically issued by your city or county, though issued by the state in some instances, this document proves your business is legally operating. Depending on who issued your license, contact your local business licensing office, municipal government, or the Colorado Department of Regulatory Agencies (DORA) to request a replacement or print a digital copy if available online.

• Articles of Incorporation or Organization: Filed with your Secretary of State’s office, this document outlines your business’s legal structure (LLC, corporation, etc.) and is often required by lenders or insurers. Visit the Colorado Secretary of State's website to request copies or manage filings.

• Employer Identification Number (EIN) Confirmation Letter: This IRS-issued document serves as your business’s federal tax ID and is required for banking, payroll, and loan applications. If you’ve lost your EIN confirmation, contact the IRS Business & Specialty Tax Line at 800-829-4933 or refer to past tax filings where it may be listed.

• State and Local Permits: Depending on your industry, you may need permits for health, building, signage, fire safety, or sales tax. Contact your local permitting office or the Colorado Department of Revenue to reissue lost permits or confirm your status.

• DBA ("Doing Business As") Filings: If you operate under a trade name, this registration allows you to use your brand name legally. Check with the county clerk or Secretary of State for replacement certificates or re-registration if needed.

• Zoning Approvals or Certificates of Occupancy: These documents confirm your location is approved for business operations. They may be required when rebuilding or resuming operations. Request copies from your city’s planning or building department.

• Continuity of Operations Plan (COOP): Your plan for how the business will continue operating during and after a disruption.

In Colorado, businesses can manage ongoing administrative tasks, such as renewing licenses, managing sales tax accounts, and handling employee wage withholding online from the MyBizColorado portal, which brings together functions from various state agencies into a single business portal. 

Best Practices

• Gather replacement documents as early as possible, especially before applying for assistance or reopening your business.

• Store digital backups of key business documents in a secure cloud platform or external drive for future protection.

• Use official government websites and avoid third-party services that charge extra for access to public records.

Resources
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Whether you own or lease your business space, having access to property-related documents is essential for disaster recovery. These records help verify your rights, support insurance or assistance claims, and ensure you can move forward with repairs, rebuilding, or relocation.

Key Documents to Replace or Gather

• Deed or Proof of Property Ownership: If you own the commercial property, a copy of your deed or title proves legal ownership. Contact your county clerk and recorder’s office or title company to request a certified copy.

• Commercial Lease Agreement: If you lease your space, a copy of your signed lease is often required to apply for assistance or verify business losses. Request a signed replacement from your landlord or property manager.

• Site or Property Plans: These outline the layout of your property and may be valuable for repairs or insurance purposes. Contact your city or county’s building or planning department to request copies, if available.

• Zoning or Land Use Approvals: These verify that your business is properly zoned for its location. Your local zoning office can help reissue or verify these documents.

• Rental or Lease Payment Records: Proof of payment may be required to show financial loss or calculate eligible assistance. Request statements from your landlord or gather bank records showing regular rent payments.

Best Practices

• Store digital copies of all documents in a secure location (cloud or external drive).

• Review lease or property terms for clauses related to disaster damage or early termination.

• Organize and label your records to simplify future applications or inspections.

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Access to your business’s financial and insurance records is essential for recovering from a disaster. These documents help prove economic loss, support insurance claims, may be needed to apply for recovery loans and grants, and ensure continuity of operations. Gathering and organizing this information early can also help prevent delays when working with lenders, tax professionals, and recovery agencies.

Key Documents to Replace or Gather

• Business Bank Account Information: Includes account numbers, statements, and transaction history that may be used to verify income and losses. Contact your bank directly or access your online banking portal to retrieve past statements.

• Tax Returns: Federal and state returns (typically from the last two to three years) may be required to show business income, operating expenses, or financial standing. Contact your accountant or retrieve copies through the IRS and the Colorado Department of Revenue Taxation Division.

• Payroll and Employment Records: Documents showing staff wages, benefits, and employment status can support claims for payroll relief or business interruption assistance. Export reports from your payroll system or request archived records from your payroll service provider.

• Loan Agreements and Repayment Schedules: These may include SBA loans, equipment financing, lines of credit, or real estate loans. Contact lenders for replacement documents or download from online account dashboards.

• Insurance Policies: Collect current copies of all applicable business insurance policies, including, commercial property insurance, general liability insurance, business interruption insurance, workers’ compensation insurance, equipment or vehicle coverage. Reach out to your insurance provider or broker to request declarations pages or policy documents.

• Asset Inventories: Detailed lists or video proof of personal and business belongings for insurance, including itemized records of inventory-on-hand and value.

Best Practices

• Save digital copies of all financial and insurance records in a secure cloud or external location.

• Keep a log of communications with banks, insurance companies, and financial advisors.

• Organize your records by category (e.g., banking, payroll, insurance) to speed up application and claim processes.

• Document any disaster-related expenses (repairs, temporary operations, lost revenue) with receipts, invoices, and before/after comparisons.

Resources
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After a disaster, businesses—especially those in food service, manufacturing, agriculture, or health-related fields—may need to provide documentation that shows they meet local, state, and federal health and safety standards. These records help demonstrate that your business is operating legally and safely, and may be required for reopening, filing insurance claims, or applying for recovery assistance.

Key Documents to Replace or Gather

• OSHA Records: Includes workplace injury and illness logs, inspection findings, and compliance reports. Contact the Occupational Safety and Health Administration (OSHA) or access records through your business’s internal compliance system.

• Inspection Reports: These may include health department inspections, fire safety checks, or building code reviews. Reach out to your local health department, fire marshal, or building department to request past inspection summaries or documentation of passed inspections.

• Health Permits and Certifications: Common in businesses such as restaurants, childcare facilities, manufacturing plants, and personal care services. Contact your local or state health authority or other issuing entity to request a reissue of required permits and/or licences (e.g. food handler and food service licenses).

• Sanitation and Environmental Compliance Records: Businesses that handle chemicals, waste, or regulated materials may need environmental permits or hazardous materials compliance documentation. Check with your state’s environmental agency or the Environmental Protection Agency (EPA) if applicable.

Best Practices

• Store health and safety records in both physical and digital formats for quick access. Backing up digital records to secure cloud storage may allow for easier access in the event that a physical hard drive is lost or damaged.

• Review compliance deadlines to ensure permits or certifications have not lapsed during the disruption.

• Document any health-related cleanup or mitigation (such as mold removal or air quality testing) to show your business meets reopening requirements.

• Request inspections proactively if you’re unsure whether your business is cleared to reopen.

Having these records in order helps demonstrate that your business is ready to operate safely and responsibly, which is especially important when applying for reopening approval, insurance reimbursements, or public recovery programs.

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After a disaster, maintaining or reestablishing your workforce is a critical part of business recovery. Accurate employee and contractor records help you document business operations, support insurance or payroll relief claims, and meet legal obligations for tax and labor compliance. 

These documents may also be required to apply for programs like SBA disaster loans, unemployment assistance, or workforce retention grants.

Key Documents to Replace or Gather

• Staff Rosters: A current list of all employees and contractors, including names, job titles, contact information, and employment status. If you use payroll software, export your latest roster or contact your HR department or provider.

• Payroll Documents: Includes pay stubs, payroll summaries, tax withholdings, and year-end reports (W-2s or 1099s). These records are essential for documenting wage loss, benefit payments, and employment continuity.

• W-4s and I-9s: Federal forms used to verify employment eligibility and determine tax withholding. These may be requested during audits or when seeking payroll-based assistance.

• Employment Contracts or Offer Letters: Contracts that outline employment terms, compensation, and responsibilities. These documents help verify positions that were impacted by the disaster.

• Contractor Agreements: For any independent contractors or service providers, keep copies of signed contracts that detail scope of work, duration, and payment terms.

Best Practices

• Back up digital and hard copy personnel files in a secure, off-site location.

• Track staffing changes and communication with employees during the recovery period (e.g., closures, layoffs, rehires).

• Retain pay and hours records if applying for payroll protection, tax credits, or recovery-based wage support.

• Use consistent file naming and organization to help quickly locate employee records by name, role, or payroll cycle.

Keeping employee and contractor information up to date not only helps you restore operations faster—it can also be critical to qualifying for disaster-related funding or resolving legal or HR issues that arise during recovery.

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You may also need to replace a variety of specialized documents after a disaster. These records are essential not only for resuming operations but also for maintaining compliance and accessing recovery assistance that may be tied to your business classification or industry.

Key Documents to Replace or Gather

• Veteran-Owned Business Certifications (if applicable): If your business is certified as veteran-owned or service-disabled veteran-owned, you’ll need documentation from the U.S. Department of Veterans Affairs (VA) or your state’s certifying agency. These certifications can qualify you for priority contracting opportunities, grants, and disaster assistance specifically for veteran-owned enterprises. Contact VA’s Office of Small & Disadvantaged Business Utilization or your local Veterans Business Outreach Center to request replacement documents.

• Immigration or Work Authorization Records (if applicable): If you or any employees are authorized to work in the U.S. under a visa or permit, you may need to replace lost employment authorization documents. Visit uscis.gov to request replacement work permits, green cards, or I-94 records. These may be necessary for payroll documentation, rehiring, or compliance with labor laws.

• Industry-Specific Licenses: Many businesses—including but not limited to  those in regulated fields like food service, agriculture, healthcare, alcohol sales, cannabis, and transportation—must maintain active licenses or operating permits. Contact the appropriate state licensing board or regulatory agency for your industry to begin the replacement or reissuance process. Some agencies may offer expedited services during disaster declarations and many Colorado licensing agencies have dedicated online portals for managing licenses, registrations, taxes and related business.

Best Practices

• Review which licenses and certifications are legally required for you to reopen or operate your business.

• Track expiration dates and renewal timelines to avoid delays or penalties during recovery.

• Store all certifications digitally in a secure cloud location and keep printed copies in your business continuity binder or recovery folder.

• Document any communications with licensing agencies in case you need to show proof of reapplication or pending approvals.

Having these documents on hand can help you reopen faster, stay compliant with regulations, and access recovery support that’s specific to your business status or industry.

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If your business involves animals—such as livestock operations, veterinary practices, animal boarding facilities, or service animal support—it’s essential to gather or replace documentation related to animal ownership, health, and compliance. These records can be critical for resuming operations, proving losses, and meeting legal or industry standards during disaster recovery.

Key Documents to Replace or Gather

• Ownership Records: Proof of ownership for livestock, service animals, or breeding stock may be required for insurance claims, agricultural assistance programs, or resale documentation. These can include bills of sale, registration papers, brand inspection certificates, or animal identification tags. Contact your state department of agriculture, livestock board, or breed registry for replacement documentation.

• Veterinary and Health Records: Medical histories, vaccination records, and testing results (such as for brucellosis or avian flu) may be required for transport, sale, or return to operation. Veterinary practices should be able to assist with recovering client files and treatment logs. Reach out to your veterinarian, state veterinary board, or digital medical records provider if documents were lost or damaged.

• Licensing and Certification: These may include USDA or state licenses for breeding, boarding, or selling animals, permits for animal transport across state lines, certifications for animal-assisted therapy or service animal status, or facility inspection reports for animal care or handling. Contact your licensing agency (such as USDA APHIS or your state veterinary medical board) for guidance on replacement documents or re-certification if needed.

Best Practices

• Create both digital and printed copies of all critical animal-related documents and store them securely off-site.

• Photograph animals and any identifying tags or markers before and after a disaster to support insurance claims or health assessments.

• Log all animal-related losses or relocations, including when and where animals were moved, treated, or disposed of.

• Review your animal emergency plan and update it based on lessons learned during the disaster to strengthen future preparedness.

• Proper documentation ensures that your animal-based business can continue operations safely and legally—and that any losses are recognized and supported through insurance or recovery programs.

Resources
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Jump To

Step 2.4 Getting Back to Business / Resuming Animal or Livestock Care 

The first step in resuming operations after a disaster is deciding if, how, and to what extent your business can reopen. 

Consider the following before deciding

• Facility Condition: Is the building structurally safe? Are there any hazards (mold, flooding, broken glass, damaged equipment) that would make it unsafe to reopen? If you're unsure, consult with a licensed inspector or contractor before proceeding.

• Access to Utilities: Do you have reliable electricity, water, HVAC, and internet access? Are restrooms operational and safe for use by employees or customers?

• Inventory and Equipment Status: Do you have the supplies, materials, and equipment needed to deliver your core products or services? Can you restock quickly if needed?

• Staffing Capacity: Are enough team members available and ready to return to work? Are any key employees displaced or dealing with personal recovery needs? Can you bring in temporary help if needed?

• Customer and Vendor Access: Is your location accessible to customers or delivery partners? Are transportation routes and communication lines open?

• Insurance Coverage: Review your insurance coverage to understand what losses are covered, what conditions must be met to remain covered, and how reopening might impact your claim (e.g. how does reopening impact your business interruption coverage?).

Choose a path forward

• Fully Open: Choose this if your space is safe, you have adequate staffing and supplies, and your business can operate as usual.

• Partially Open: This may be the right choice if only part of your facility is usable, or if you can only offer a limited range of services or operate during reduced hours. You still must be able to meet all regulatory, health, and safety requirements. 

• Temporarily Closed: If conditions are unsafe, staffing is insufficient, or core infrastructure is down, it may be safest to pause operations while you stabilize or find an alternative location.

Best Practices

• Create a written summary of your assessment, including photos or inspection reports, to keep for insurance and recovery assistance applications.

• Document any changes to operations, staffing, or facility status in a business continuity log.

• Prioritize safety over speed—rushing to reopen can lead to greater costs, safety issues, or loss of customer trust if services can’t be reliably delivered.

• Communicate with your staff and let them know about available resources. Employees can be referred to resources and information in Getting Back to Normal in this Recovery Navigation Tool in the Property Owner or Renter journeys, which includes information and resources about unemployment, mental health, and financial scenarios. 

Resources
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Jump To

Step 2.4: Getting Back to Business

If your business is safe and fully operational after a disaster, you're in a strong position to lead your recovery and support your community—but it’s still important to assess your situation, adjust to new conditions, and document everything for future stability.

Stay Visible and Communicate Clearly
Let customers, employees, vendors, and partners know you’re open. Update your website, social media, online listings (like Google and Yelp), and physical signage. Communicate any temporary changes in hours, services, or safety protocols—and share updates regularly to build trust.

Evaluate Operations and Adjust if Needed
Even if your location wasn’t physically damaged, supply chains, customer demand, or staffing may still be affected. Review what’s working, what’s changed, and where you may need to adapt. 

For example:

• Revisit inventory and vendor timelines

• Adjust staffing schedules based on availability or customer flow

• Focus on your most in-demand or profitable offerings while streamlining others

Track Financial Impacts
Keep detailed records of any disaster-related revenue changes, unexpected costs, or service disruptions—even if you remain open. These records may help you qualify for business interruption insurance, tax relief, or federal/state recovery programs.

Support Your Team and Community
Your team may still be dealing with personal losses or housing disruptions. Offer flexible schedules where possible, connect employees with support resources, and keep communication open. Being a consistent, stable employer during this time can build long-term loyalty.

Document and Plan Ahead
Take time now to:

• Review your insurance coverage in light of what just happened

• Capture lessons learned in an updated emergency or continuity plan

• Begin setting aside funds for future disruptions or mitigation improvements

Best Practice
Even if you’re operational, don’t assume recovery is “complete.” Continue documenting your status, keeping financial records organized, and connecting with local recovery resources.

Resources
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If your usual place of business is unsafe, inaccessible, or only partially functional, you may need to explore temporary alternatives to keep your business going—or strategically pause certain operations while you rebuild.

Consider the following options

• Temporary Relocation: Can you move operations to another location, even on a short-term basis? This could be a shared workspace, warehouse, storefront, or mobile setup. Contact your local chamber of commerce, small business association, or city office for leads on available spaces. If your lease allows, consider subleasing or co-locating with a partner business temporarily.

• Remote Operations: Can parts of your business (admin, sales, support) be handled remotely? Move customer service, appointments, or billing online using platforms like Zoom, Slack, Google Workspace, or cloud-based accounting tools. Equip remote workers with the tools and access they need to maintain operations securely and efficiently.

• Pausing or Modifying Services: Do you need to temporarily suspend low-demand or resource-heavy services? Focus on your core offerings that are easiest to fulfill or most profitable. Consider offering scaled-down versions of services or switching to products with lower overhead.

Best Practices

• Base your choice on a combination of financial sustainability, available resources, and customer demand.

• Consider your business’s ability to recover costs or generate revenue in each model.

• Document any changes to your services, hours, or operating model for your recovery file.

• Notify customers clearly and early if you’re modifying your offerings and offer realistic timeframes for resuming normal operations.

• Keep track of all costs and revenue shifts associated with these changes—they may be eligible for reimbursement or business interruption assistance.

Resources
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If your business is currently closed due to disaster-related damage, access issues, or safety concerns, the next step is to focus on stabilizing your operations, protecting your assets, and planning a path to reopening—whether that happens in days, weeks, or longer.

Stay in Communication
Let your customers, employees, vendors, and partners know your current status. Share updates through your website, social media, email lists, and signage if possible. Be transparent about what’s happening, even if timelines are uncertain. Maintaining visibility helps preserve relationships and manage expectations.

Track All Financial Activity
Document revenue losses, paused operations, canceled contracts, and new costs associated with the closure. This information is critical for filing insurance claims, applying for assistance, or accessing small business recovery programs later.

Support Your Team
Keep in regular contact with your employees. Share what you know, even if there’s no firm reopening date yet. Connect them to unemployment resources or emergency assistance programs if their hours are reduced or eliminated.

Plan for Reopening
Begin laying the groundwork to reopen—safely and sustainably. That might include:

• Coordinating damage assessments and contractor estimates

• Tracking insurance or assistance progress

• Outlining what it will take to resume partial or full operations

• Finding an alternative location that allows you to fully reopen 

Best Practice
Treat this downtime as an active recovery phase. Staying engaged, documenting everything, and exploring temporary solutions can help shorten your closure and protect your business’s future.

Resources
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Deciding to permanently close your business after a disaster is never easy—but sometimes it’s the most practical and financially sound path forward. Whether due to extensive damage, long-term revenue loss, or personal circumstances, it’s important to approach the closure with care, clarity, and proper documentation to protect your financial future and honor the work you’ve built.

Communicate the Decision Clearly
Once you have made the decision, let your customers, employees, vendors, and partners know that the business will not be reopening. Share the news with compassion and transparency, using your website, social media, and direct outreach when possible. Thank your community for their support and explain what to expect regarding final transactions, outstanding orders, or service commitments.

Notify Key Entities

• Contact your insurance provider to finalize any open claims. Clarify what’s still covered under your policy, what documentation is needed, and whether funds can still be used for closure-related expenses.

• Inform your landlord or mortgage lender if you’re leasing or financing the property.

• Notify taxing authorities, licensing boards, and regulatory agencies that your business is closing permanently.

Handle Financial and Legal Obligations

• Settle outstanding debts or renegotiate payment terms where possible. Review your contracts for emergency and disaster provisions. 

• Cancel permits, licenses, and insurance policies once final claims and activities are completed.

• Consult with an accountant or legal advisor about final payroll, taxes, asset liquidation, and how closure may affect your personal finances.

Support Your Employees
If you have staff, notify them as early as possible and provide documentation they may need to access unemployment benefits or job placement services. Share any available community support resources and thank them for their contributions.

Organize and Store Business Records
Keep copies of all insurance claims, tax filings, contracts, receipts, communications, and legal notices. Many records must be retained for several years for compliance or future reference.

Reflect and Plan for What’s Next
A business closure doesn’t erase the value of what you built. Take time to reflect on lessons learned, preserve your professional contacts, and begin thinking about how your skills, experience, and community relationships can shape your next chapter.

Best Practice
Even in closure, treat each step with professionalism. Staying organized and transparent can ease the transition—for you and those connected to your business—and lay a solid foundation for rebuilding or future endeavors.

Resources
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Once you’ve reported the property damage, documented losses, and reviewed your coverage, the next step is to stay organized and actively manage your insurance claim as recovery moves forward.

Clear communication, careful recordkeeping, and timely follow-up can make a big difference in how quickly and smoothly your claim is processed.

Stay in Regular Contact

• Follow up consistently. Check in with your adjuster or insurance representative on a regular schedule—especially if you’re waiting for an inspection, estimate approval, or reimbursement.

• Confirm all next steps. Ask for a timeline on inspections, claim determinations, and payment processing. If additional documentation is needed, request a checklist in writing.

• Track communications. Keep a detailed log of all phone calls, emails, or meetings with your insurance provider. Note dates, names, and what was discussed or promised.

Coordinate Inspections and Estimates

• Make sure your insurance company schedules a damage inspection, and be present, if possible, to walk them through the site and highlight key issues.

• Provide any contractor estimates, invoices, or receipts that your provider requested. If you receive multiple bids, share them for comparison.

• Ask your provider if further documentation is needed before authorizing permanent repairs.

Maintain Organized Records

• Keep digital and physical copies of all correspondence, claim forms, repair estimates, invoices, and payment receipts.

• Store documentation in a centralized recovery file that includes your claim number, policy details, and a summary of expenses submitted or reimbursed.

Clarify Reimbursement and Payment Timing

• Confirm how and when payments will be issued—some providers offer advances or partial payments up front.

• Ask if payments will be made directly to you or to contractors, and what documentation is needed to release funds.

• In Colorado, you have certain rights when it comes to insurance claims. See the Colorado Division of Insurance website for additional information. 

Understand What’s Not Covered

• If parts of your claim are denied or reduced, ask for a written explanation. You may be able to appeal or submit additional evidence.

• Clarify any exclusions or deductibles that may limit coverage—and document those responses in writing.

Resources
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Once immediate needs are stabilized and you're starting to plan next steps for your property, it's time to identify what additional help you may qualify for. Recovery assistance can come from federal and state programs, local agencies, nonprofits, and private sources—and can help with housing, repairs, rebuilding, household needs, and more.

Every program has different eligibility criteria, so it’s often important to apply for multiple types of assistance and keep track of your applications and documentation.

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.

Assistance generally falls into several key categories:

Physical Damage Assistance
Support for repairing or rebuilding business property, replacing equipment or inventory, and restoring facilities. This can include federal assistance through FEMA or SBA, state grants, or nonprofit programs focused on commercial recovery.

Business Interruption Support
Some programs offer grants or loans to help cover lost income, payroll gaps, temporary relocation, or overhead expenses while your business is closed or operating at limited capacity.

Technical and Financial Assistance
Free or low-cost services may be available to help you manage debt, rework your business plan, or navigate insurance claims and financing. This often comes from Small Business Development Centers (SBDCs), local economic development agencies, or chambers of commerce.

Legal Assistance
Help resolving lease disputes, contract issues, or insurance denials. Some organizations offer pro bono legal services for disaster-affected business owners.

Unmet Needs Support
If you still face gaps after applying for other aid, local recovery groups or nonprofit partners may help with tools, signage, safety equipment, or other business-specific recovery costs.

Who Provides Assistance
You may be able to receive help from:

• Federal Agencies: Including FEMA, the U.S. Small Business Administration (SBA), and programs funded through the U.S. Department of Housing and Urban Development (HUD).

• State and Local Governments: Offices focused on economic development, emergency management, or disaster recovery may administer business-specific relief grants, loans, or technical assistance.

• Nonprofit and Faith-Based Organizations: Groups like the Red Cross, United Way, or local community foundations may provide funding, services, or volunteer assistance for affected business owners.

• Small Business Support Networks: Including SBDCs, SCORE chapters, chambers of commerce, and business incubators that offer coaching, financial planning, and recovery workshops.

What You’ll Typically Need to Apply
Every program is different, but many require some or all of the following:

• Proof of Identity – Driver’s license, state ID, or passport

• Business Ownership Documents – Articles of incorporation, business license, or EIN registration

• Damage Documentation – Photos, estimates, and insurance reports

• Financial Records – Recent tax returns, payroll data, or profit and loss statements

• Lease or Property Documents – Deed, lease agreement, or utility bills showing business address

If you are missing any of these documents, see Step 1.5: Replacing Important Documents.

Best Practice 

• Create a recovery folder—physical or digital—to organize your applications, receipts, and correspondence in one place. Staying organized will help prevent delays and maximize your eligibility.

• Apply as soon as possible, even if you’re unsure whether you qualify. Many programs have deadlines, and it’s easier to withdraw an application later than to start late or miss out because the application deadline passed. 

• Once you’ve assessed how the disaster has affected your day-to-day operations, filed insurance claims, and applied for additional recovery assistance the next step is to take a close look at the financial impact of the disaster and start mapping out a plan for recovery.
  
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Take a close look at how the disaster has affected your business financially. Understanding your current position will help you make informed decisions about what’s feasible in the short and long term.

• Update your business budget to reflect reduced income or increased operating costs due to the disaster.

• Assess income disruptions, including suspended services, lost customers, or delays in receivables.

• List all recovery-related expenses to date, such as cleanup, emergency payroll, temporary relocation, or security.

• Check available financial resources such as operating reserves, lines of credit, or existing capital.

• Monitor cash flow carefully to avoid overextending resources while essential functions are restored.

Best Practice
Use a simple spreadsheet or accounting software to categorize expenses and track cash availability. This will also support future decision-making and help you stay organized.

Identify Operational Needs
Once you have a clearer picture of your finances, assess what your business needs in order to recover and operate effectively—even in a limited capacity.

• Staffing: Determine if you need to rehire, bring back furloughed workers, or shift responsibilities based on available staff.

• Inventory and Supplies: Evaluate what needs to be restocked or replaced to continue serving customers.

• Equipment and Tools: Identify damaged or missing tools essential for operations. Start sourcing vendors or price replacements.

• Marketing and Client Communication: Outline a strategy to reconnect with your customers, share reopening information, and rebuild trust.

• Vendor and Supplier Relationships: Reach out to assess their operational status and renegotiate delivery schedules or payment terms if needed.

Best Practice

Prioritize activities that restore revenue-generating functions first, then build toward long-term resilience improvements like digitizing systems or diversifying supply chains.

Resources
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View Business Recovery Resources

Disaster recovery often involves complex financial decisions—especially if you're managing debt, negotiating with lenders, or considering major operational changes. Professional advice can help you navigate this uncertainty and make sound, sustainable choices for your business.

Meet with a Financial Advisor or Business Counselor
Connecting with a qualified financial advisor, accountant, or small business counselor can help you:

• Evaluate repayment options for existing loans or lines of credit

• Adjust your business model to reflect changes in income, staffing, or customer demand

• Rebuild financial projections to support budgeting, borrowing, or strategic planning

• Assess whether restructuring debt or refinancing makes sense for your current situation

• Identify financial red flags early—such as liquidity gaps or solvency issues—so you can take preventive action

Best Practice
Seek out advisors with experience in disaster recovery or small business resilience. Many Small Business Development Centers (SBDCs), Chambers of Commerce, and nonprofit organizations offer free or low-cost advising.

Seek Legal Guidance if Needed
Some situations may also benefit from legal advice, especially if your business is dealing with:

• Contract disputes

• Lease or insurance challenges

• Employee-related legal questions

• Ownership or liability concerns

Best Practice
Keep a list of questions in advance and bring your financial documents so your advisor or attorney can provide specific, actionable guidance.

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For some business owners, handling repairs independently—or with help from employees, friends, or family—may seem like the fastest or most affordable way to recover. While this approach can work for minor fixes, it carries serious responsibilities. Any work done in-house must comply with local building codes and safety standards, and must be properly documented to maintain eligibility for insurance claims, SBA loans, or other recovery assistance.

What to Consider

• Know What’s Allowed: As the business owner, you’re responsible for ensuring any work you or your team complete meets legal and safety standards. Certain tasks—especially those involving structural, electrical, plumbing, or gas systems—may legally require a licensed professional.

• Permits Are Still Required: Even if you're handling the work yourself, many types of repairs require city or county permits. Unpermitted work can fail inspections, delay your reopening, or affect resale and funding eligibility.

• Document Everything for Assistance: If you're seeking recovery assistance from insurance, the SBA, or HUD programs, undocumented or unverified repairs may not be reimbursed. Proper paperwork is essential to demonstrate compliance and progress. 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).

• Consider Time and Safety: Disaster damage often creates unsafe conditions that require expertise. If you’re unsure about materials, construction steps, or health risks (e.g., mold, contamination), consult a licensed contractor or inspector before proceeding.

Steps to Take

• Confirm Permit Requirements: Contact your local permitting office to determine what repairs require inspection or official approval—even for owner-completed work.

• Save Every Receipt: Keep detailed records of all purchases—tools, materials, safety equipment, or rentals. These may be required for insurance or grant reimbursement.

• Track Work Completed: Maintain a log of who worked, what was done, when it occurred, and what materials were used. This helps verify both labor and progress. These can be valuable documentation for insurance and assistance applications. 

• Photograph Everything: Take clear, time-stamped photos before, during, and after each repair. Document both the damage and the completed work, especially in business-critical areas.

• Protect Health and Safety: Wear protective gear, follow safety guidelines, and never work in unstable or hazardous conditions. Your safety—and your business’s liability—depends on it.

Best Practice

Before taking on major repairs yourself, speak with your local building department or a trusted contractor. They can help you understand the risks, confirm what requires permitting, and guide you on best practices to ensure compliance and support future funding.

Hiring a licensed, insured contractor is often the most reliable and efficient way to complete large-scale or technical repairs—especially if your commercial property has sustained structural, electrical, or plumbing damage. A qualified contractor can help you meet building codes, obtain permits, and ensure that all work is done to professional standards. Most disaster recovery programs—including SBA disaster loans, commercial insurance, and federal or state recovery grants—require work to be performed by licensed professionals in order to qualify for reimbursement or continued assistance.

 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, Itemized 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 affect cash flow, staffing, and operations. Ask for a written timeline that includes key milestones, what may cause delays, and how they plan to keep the work on schedule.

What to Do

• Get Multiple Bids: Contact at least three licensed contractors with disaster recovery experience. Compare their scopes of work, timelines, cost structures, and familiarity with commercial properties.

• Verify Their Credentials: Check with your state or local contractor licensing board to confirm licenses are active and in good standing. Look for past violations or complaints.

• Use a Formal Contract: Always get a signed, written agreement. It should outline the exact work, payment terms, materials, cleanup responsibilities, warranties, and procedures for changes or delays.

• 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.

• Check for Recovery Experience: Some contractors have worked with SBA, FEMA, or insurance-funded projects before. Their familiarity with documentation and compliance requirements can help you avoid delays or denials.

Best Practice

Remain engaged throughout the project. Conduct regular walk-throughs, ask questions, and keep written records of all communications. Save contracts, receipts, permits, inspection sign-offs, and time-stamped photos of work in progress. This documentation is essential for audits, dispute resolution, and future funding eligibility—and helps ensure your business rebuilds stronger and safer.

After a disaster, community support often arrives in the form of volunteer groups—whether through local nonprofits, faith-based organizations, or national recovery networks. These volunteers can assist with debris removal, light repairs, and sometimes even rebuilding services. For small business owners—especially those with limited financial resources or facing gaps in insurance coverage—this kind of help can be invaluable.

Even though volunteer labor is free, it’s important to treat it with the same level of care as any other part of your recovery process. Work performed by volunteers must still meet building codes and safety standards, and all assistance should be well-documented in case you apply for insurance reimbursement, SBA loans, or other recovery programs.

What to Consider

• Work with Reputable Groups: Only accept help from established volunteer organizations that have proper training, safety procedures, and liability coverage. Do not allow individuals who arrive uninvited or without identification to perform work on your property.

• 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 help with cleanup, demolition, or simple repairs, but work that involves electrical systems, plumbing, or structural elements generally must be done by licensed professionals.

• 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.

  1. 1. Older adults

     2. People with disabilities

     3. Low-income households

     4. Families with young children

     5. Individuals without other forms of support

Ask the Right Questions

• • What services do your volunteers provide?

  • Are you affiliated with a government or recognized recovery agency?

  • What work can your volunteers legally and safely perform for businesses?

  • Will you provide a summary of work completed?

Document Everything

• • Keep a written log of all work performed, including dates, start/end times, and specific tasks.

  • Take time-stamped photos before, during, and after work is completed.

  • Record the names of volunteer organizations and team leads.

Request Written Confirmation

• • Ask the volunteer group to provide a summary letter outlining the work completed, materials used, and names of volunteers or supervisors. Store this in your recovery documentation.

Best Practice

Even though volunteer support may be free, your business is still responsible for ensuring the work is done correctly, legally, and safely. Maintain documentation just as you would with a professional contractor—photos, receipts (if applicable), and written reports. Proper records can help protect your eligibility for recovery funding and serve as proof of progress if you're applying for additional aid.

Unfortunately, scams often rise in the aftermath of a disaster. Business owners, eager to recover quickly, may become targets for fraud—especially when dealing with property damage, cleanup, or insurance claims. Scammers may pose as contractors, recovery officials, or inspectors, offering fast fixes or access to funding—only to disappear with your money or deliver poor-quality work that fails inspections and stalls recovery.

While the pressure to act quickly is real, taking a few extra steps to verify who you’re working with can protect your business from financial loss and long-term setbacks.

Common Red Flags

• Demands for Full Upfront Payment: Be wary of contractors who ask for full payment before work begins—especially if they demand cash-only transactions.

• Unsolicited Offers: Avoid individuals who show up uninvited to your property claiming they’re “working in the area” or offering limited-time deals. Legitimate professionals rarely pressure clients this way.

• Fake Representatives: Scammers may impersonate officials from FEMA, the SBA, your insurance company, or local agencies to gain access to your information. Government officials will never charge to inspect your business or apply for assistance.

• No Written Agreement: If someone refuses to provide a contract, business license, or written scope of work, it’s a clear warning sign.

What You Should Do

• Verify 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. 

• Check References and Reviews: Search online for reviews and check the Better Business Bureau (BBB) or state attorney general’s office to see if complaints have been filed. Request contact info for past clients and follow up with them about their experience.

• Get Everything 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 Business Information: Never share your business EIN, banking information, insurance details, or personal identification with anyone unless you’ve verified they are a legitimate contact from a known organization.

Best Practice

Trust your instincts and double-check credentials. If something seems off—whether it’s a pushy offer, suspicious documentation, or lack of identification—pause before proceeding. 

When you're ready to resume operations, you may need to reopen in stages, starting with core services or reduced hours and scaling up as time progresses.

Restore Inventory, Equipment, and Supplies
If your business involves physical goods or services, work with suppliers to restock materials, replace damaged inventory, and secure any necessary equipment. Keep documentation of all purchases and replacement efforts for insurance and grant reporting.

Reconnect with Vendors and Partners
Notify your vendors, service providers, and professional networks of your operational status. Confirm delivery schedules, payment terms, and whether any partners were also affected by the disaster. Collaboration can often speed up shared recovery.

Adjust Staffing Plans
Evaluate current staffing needs based on your business model and service capacity. Communicate with employees about return-to-work options, modified roles, or flexible scheduling. Be clear about expectations and listen to staff concerns—especially those related to health, transportation, or caregiving responsibilities.

Update Business Hours and Offerings
Let customers know how and when you are operating. Post updates on your website, social media, and business signage. If you’re scaling back services or adjusting product lines temporarily, make those changes clear and consistent across channels.

Monitor Feedback and Make Adjustments
Create opportunities for customers and staff to share feedback. Use their input to identify what's working, what needs to change, and where additional support may be needed. This may include implementing new safety protocols, expanding digital options, or shifting focus to in-demand products or services.

Resources
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After a disaster, many employees may face ongoing challenges outside of work—including disrupted childcare, school closures, elder care responsibilities, or caring for individuals with disabilities. Supporting your team through these transitions is critical to rebuilding a stable workforce and promoting long-term employee retention.

By offering flexibility, sharing resources, and maintaining open lines of communication, business owners can help employees return to work in a way that feels manageable and supported.

Share Local Family Support Resources

Help employees connect to local assistance programs for:

• Childcare subsidies or temporary childcare options

• School re-enrollment, transportation services, or tutoring

• Elder care programs, including home care or adult day services

• Disaster recovery support from family resource centers or nonprofit organizations
  Create a simple resource list or post these services on your internal communication channels or staff bulletin boards.

Offer Flexible Scheduling
Be open to adjusted work hours, staggered shifts, part-time return schedules, or job-sharing arrangements. This flexibility can make it easier for employees to manage caregiving responsibilities and reduce turnover.

Consider Remote or Hybrid Work (If Applicable)
If your business can support remote tasks (e.g., administrative work, customer communication, marketing), allow employees to work from home as needed. Provide clear expectations, check-ins, and support to help remote work succeed.

Designate a Point of Contact
Assign an HR lead, supervisor, or trusted team member who employees can go to with family-related needs or scheduling concerns. This shows that your business values open dialogue and is committed to helping employees succeed during recovery.

Best Practices

• Lead with Empathy: Employees may feel overwhelmed, embarrassed, or hesitant to ask for help. Make it clear that flexibility and support are part of your recovery values—not exceptions.

• Keep Conversations Confidential: Treat family-related discussions with discretion and respect privacy. Create a workplace culture where employees feel safe disclosing challenges without fear of losing hours or responsibilities.

• Support Mental Health: Encourage employees to seek out counseling or emotional support services. If you offer an Employee Assistance Program (EAP), make sure it’s promoted regularly.

• Check In Often: Recovery takes time. An employee’s situation may change week to week. Stay in regular communication to reassess needs and support their return to full capacity.

Resources
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In the aftermath of a disaster, business owners and employees alike may experience ongoing physical and emotional strain. Addressing health needs is not just a personal priority—it’s a business imperative. A healthy team is essential to recovery, productivity, and long-term stability.

Encourage a workplace culture that normalizes seeking help, prioritizes well-being, and provides access to resources that support both physical recovery and mental resilience.

Promote Access to Healthcare Services
Share updated information about:

• Local clinics, urgent care, and telehealth services

• Temporary or mobile medical units operating in the area

• Pharmacies offering medication replacement or delivery

• Reestablished primary care or specialty providers

If your business provides health insurance, remind employees how to access in-network care and replacements for lost ID cards or prescriptions.

Provide Behavioral Health Resources
Connect your team with mental health resources, including:

• Employee Assistance Programs (EAPs)

• Free or low-cost counseling services

• Crisis hotlines and emotional support groups

• Local nonprofits or disaster mental health providers

Consider bringing in a guest speaker or counselor for an optional group session if many employees are facing shared stress or trauma.

Normalize Conversations Around Mental Health
Encourage leadership to speak openly about stress, burnout, and the importance of self-care. Let employees know that needing time for a medical or therapy appointment is valid and supported.

Check In With Employees Individual
Supervisors or managers should check in regularly with their teams—asking not just about job duties, but about how employees are coping and what support they might need. Private, one-on-one conversations build trust and uncover needs early.

Best Practices

• Lead by Example: As a business owner or manager, your team will follow your lead. Take time to care for your own physical and mental health and communicate the importance of doing the same.

• Watch for Signs of Burnout or Trauma: Red flags may include changes in behavior, increased absenteeism, irritability, or difficulty concentrating. Offer support, not punishment.

• Adjust Expectations Temporarily: Recovery takes time. Be mindful that team members may need reduced hours, flexible tasks, or gradual re-entry into full responsibilities while managing their health.

• Keep Information Visible and Accessible: Post flyers, share links, or create a digital resource hub with health-related contacts and services. Regular reminders help normalize use of support systems.

Resources
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A disaster can disrupt transportation systems in ways that directly affect your business—damaged roads, limited public transit, loss of company vehicles, or changes to employee and customer access. Quickly identifying and communicating alternative options to your staff and customers helps keep your operations running and your team supported.

Restoring reliable transportation is essential for employee attendance, supply chain continuity, and customer convenience. Whether you operate a storefront, service-based business, or delivery model, proactive solutions will help maintain business flow during recovery.

Assess Transportation Impacts
Evaluate how the disaster has affected:

• Company vehicles, delivery vans, or fleet operations

• Employee commute routes and travel time

• Public transportation availability

• Customer access and nearby parking or road conditions

Document vehicle damage for insurance purposes and notify your provider right away if replacements are needed. If infrastructure damage is widespread, check with local agencies for repair timelines and detour maps.

Explore Temporary Alternatives
Depending on your needs and resources, consider:

• Offering gas stipends, mileage reimbursement, or rideshare credits to staff

• Coordinating carpool options or shuttle services for employees

• Temporarily shifting eligible roles to remote work

• Partnering with local delivery services to maintain customer orders

Communicate with staff to identify individual challenges and tailor support accordingly.

Communicate Clearly With Customers and Staff
Keep everyone updated about:

• Alternate routes, detours, or parking changes

• Temporary business entrances or access limitations

• Delays in delivery, service, or on-site availability due to travel impacts

Use your website, social media, signage, and customer email lists to proactively share updates.

Best Practices

• Stay Informed About Local Road Repairs: Monitor city or county transportation updates and communicate timelines to your team and customers. Consider subscribing to local alert systems or traffic notifications.

• Review Insurance and Lease Agreements for Vehicles: Understand what is covered and how long replacement or rental support may last. Keep detailed records of damage, repair receipts, and rental invoices.

• Plan for Flexibility: Traffic congestion, fuel shortages, and infrastructure damage may cause unpredictable delays. Build in flexibility when scheduling shifts, pickups, or appointments—and encourage employees to communicate changes as early as possible.

• Document Travel-Related Expenses: Keep track of all temporary transportation costs—these may be reimbursable through disaster assistance or tax deductions.

Resources
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After a disaster, many employees may face unexpected disruptions in care for children, older adults, or family members with disabilities. Supporting your team in reestablishing reliable dependent care is essential for ensuring a stable and productive return to work. Flexible policies and access to local resources can go a long way in building resilience across your workforce.

Identify Staff Needs Through Communication
Encourage managers or HR to check in with employees about dependent care needs, including:

• Childcare availability or school closures

• In-home caregiving needs for aging parents

• Disrupted services for dependents with disabilities

These conversations should be respectful and private, with no obligation to disclose details beyond what the employee is comfortable sharing.

Refer Employees to Community Resources
Connect your team with trusted organizations that provide care-related support, such as:

• Local childcare resource and referral agencies

• Head Start, Early Head Start, or school district recovery contacts

• Adult day care programs or Area Agencies on Aging (AAA)

• Independent Living Centers or disability support coordinators

• Local human services departments or FEMA disaster recovery centers

If your business has an Employee Assistance Program (EAP), ensure staff are aware of it and understand how to access dependent care referrals through the service.

Offer Scheduling Flexibility When Possible
Where appropriate for your business model, consider:

• Adjusted work hours to accommodate child drop-off or pick-up

• Temporary shift swapping or compressed workweeks

• Part-time remote work options for employees with caregiving obligations

• Job-sharing or phased return-to-work arrangements

Even short-term accommodations can help reduce absenteeism and ease stress for your team.

Best Practices

• Create a Care Resources Guide: Compile a simple one-pager or digital handout with verified local and state resources for childcare, eldercare, and disability services. Post it in shared spaces or send it via email.

• Include Dependent Care in Business Recovery Planning: Recognize that workforce availability depends on more than just transportation or physical safety. Include dependent care considerations in your operational planning, particularly for roles that can’t be done remotely.

• Promote a Supportive Culture: Normalize conversations about family care needs and avoid penalizing staff for temporary disruptions. Leadership transparency and flexibility can boost morale and long-term retention.

• Track Trends for Future Planning: If many employees are impacted, consider longer-term solutions like backup care services, partnerships with local providers, or onsite daycare planning during future recovery phases.

Resources
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If your business involves animals—whether it’s livestock production, veterinary services, boarding facilities, pet grooming, or service animal support—restoring their care and welfare should be a core part of your recovery strategy. Disasters can impact feed supply chains, disrupt veterinary access, damage enclosures or barns, and displace animals from their regular routines or locations.

Including animal care in your business continuity planning helps prevent further loss, protect public health, and maintain customer and community trust—particularly in regulated industries.

Assess Animal for Longer Term Impacts
Physical injuries or signs of illness

• Contamination exposure (e.g., floodwater, smoke inhalation)

• Stress-related behavioral changes
  
  

Contact your veterinarian or local animal health authority for emergency assessments or treatment recommendations.

Re-establish Feeding and Care Routines
Determine whether your usual feed suppliers or care routines are still viable:

• Set up temporary feed delivery or storage if infrastructure was damaged

• Arrange transport to offsite boarding, pasture, or emergency holding areas as needed

• Confirm availability of trained staff or volunteers to resume regular handling, grooming, or medical care

If your operation has been displaced, create a short-term care plan and communicate it with employees, customers, and partners.

Secure Housing and Containment
Inspect all fencing, stalls, cages, and storage areas for damage. Unsafe enclosures can pose immediate risks to animals, workers, and the public. Repair or reinforce structures quickly and consult permitting offices if temporary housing needs to be installed.

Best Practices

• Coordinate With Animal Response Networks: Reach out to your state veterinarian, agricultural extension office, or local animal disaster response team (such as CART or SART programs) for coordinated aid, especially in large-scale livestock or breeding operations.

• Track Animal-Related Losses: Keep clear records of any animal injuries, deaths, or lost income tied to disrupted services (e.g., canceled appointments or production delays). This documentation may be required for insurance claims or USDA disaster assistance.

• Prioritize Public Health and Zoning Compliance: If your business involves animals near residential areas or public spaces, confirm that any temporary facilities or care plans align with local zoning, sanitation, and animal control requirements.

• Communicate With Customers and Partners: For customer-facing animal businesses, be transparent about how you're caring for animals post-disaster. Clear communication builds trust and can help retain clients during a disruption.

Resources
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Recovery is easier—and more sustainable—when you don’t go through it alone. Networks with your business and community can provide more than just encouragement—it can also offer critical operational support, access to recovery resources, and new opportunities for collaboration. 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.  

Reach Out to Local Chambers and Trade Groups
Contact your local Chamber of Commerce, business improvement district (BID), or trade association to:

• Learn about available small business support programs

• Join local grant or microloan opportunities

• Participate in group marketing campaigns or community reopening events

• Share business needs or advocate for resources

These groups often coordinate directly with city or county recovery efforts and can serve as a bridge to public funding or outreach initiatives.

Attend Recovery Roundtables or Business Briefings
Check for town hall meetings, local government recovery briefings, or economic development roundtables. These are opportunities to:

• Get updates on infrastructure repairs, zoning, or permitting

• Voice industry-specific concerns

• Network with nearby businesses to share space, staffing, or transportation

Collaborate with Nearby Businesses
If your physical location or service capacity is limited, reach out to neighboring businesses for partnership opportunities:

• Co-host pop-up events or share retail space

• Cross-promote on social media

• Coordinate group purchasing or shipping for materials
  
  

Community collaboration can reduce costs and increase visibility while you rebuild.

Stay Active in Online Forums and Support Groups
Join local Facebook groups, business Slack channels, or online recovery forums. These platforms can provide real-time updates on resources, shared lessons, and emotional support from fellow business owners navigating the same challenges.

In-person recovery support groups, often facilitated by mental health organizations or long-term recovery groups (LRTGs), may also offer structured conversations or drop-in sessions where people discuss topics like insurance claims, housing challenges, or emotional well-being.

Best Practices

• Keep a Community Contact List: Create a spreadsheet or document with updated contact info for local partners, community groups, recovery officials, and industry peers. This will help you quickly reach out when resources or questions arise.

• Offer and Accept Help: Recovery is a two-way street. If you have space, services, or expertise to offer another business, don’t hesitate to extend a hand. Mutual aid efforts build long-term goodwill and strengthen your business network.

• Celebrate Milestones Together: Reopening events, community fundraisers, and local media coverage of your comeback can help build momentum and show resilience to customers and investors. Partner with others to amplify your impact.

Disaster recovery isn’t just a physical or financial process—it’s an emotional one. Business owners, employees, and even customers often experience stress, grief, anxiety, or burnout during this time. The pressure to “bounce back” can feel overwhelming, especially when juggling damaged property, lost revenue, and uncertainty about the future.

Fostering a workplace culture that supports emotional well-being is not only compassionate—it’s essential for long-term resilience. A business that acknowledges mental health and supports its people is more likely to retain staff, restore morale, and recover sustainably.

Recognize and Normalize Stress Responses
Understand that emotional reactions after a disaster—such as irritability, fatigue, distraction, or anxiety—are normal. Encourage team members to speak openly about how they’re feeling, without fear of judgment.

Post-disaster trauma may affect:

• Workplace performance and focus

• Attendance or schedule consistency

• Communication and morale

Let your team know that support is available and that mental health is a priority during recovery.

Foster a Supportive Work Culture
Create an environment where empathy and flexibility are part of your leadership approach. Consider:

• Adjusting expectations temporarily

• Offering flexible hours or lighter workloads when possible

• Hosting regular check-ins, both one-on-one and team-wide

• Encouraging peer support among coworkers

Small gestures—like bringing in coffee, acknowledging team effort, or sending a simple thank-you—can go a long way.

Provide Access to Resources
Connect employees with trusted mental health services, including:

• Employee Assistance Programs (EAPs): If your business offers one, remind staff of how to access it.

• Local Behavioral Health Providers: Partner with clinics, nonprofits, or public health offices to share lists of free or low-cost services.

• Crisis Hotlines or Mobile Units: Display contact info for resources like SAMHSA’s Disaster Distress Helpline (1-800-985-5990) or local mental health responders.

If you have the capacity, consider inviting a trained counselor or facilitator to lead a wellness workshop, group debrief, or resilience training.

Take Care of Yourself as an Owner
Business owners often put their own needs last—but your well-being is vital. Make time to rest, delegate when needed, and seek support from peer groups or professional counselors. Don’t underestimate the emotional toll of leading others through recovery.

Best Practice
Build emotional recovery into your broader recovery plan. Treat mental health as an operational concern—not just a personal one. Document what support systems are in place, track employee feedback on morale, and update your policies to reflect flexibility and compassion.

Resources
View Mental Health Resources

Long term recovery assistance for major repairs and rebuilding usually becomes available after short-term and emergency programs have ended. It may take time to start because special funding must be approved, and programs need to be set up.

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.

What Assistance May Include

For business owners, long-term recovery support may include:

• Rebuilding or repairing damaged commercial buildings

• Replacing essential equipment, furnishings, inventory, or technology

• Infrastructure improvements to reduce future risks (e.g., floodproofing, energy upgrades)

• Business relocation assistance if the original site is no longer usable

• Support for continuity planning, marketing, or technology upgrades

• Implementing hazard mitigation strategies (e.g. wildfire or flood mitigation)

What You’ll Need to Apply

When long-term recovery programs become available, business owners should be prepared to submit:

• FEMA Determination Letter (even if denied)

• SBA loan documentation (including canceled or unused applications)

• Insurance claim documentation, including denial letters or payout summaries

• Proof of business ownership (e.g., deed, lease agreement, business license, or tax ID)

• Evidence that the business was operational at the time of the disaster (e.g., payroll records, tax returns, utility bills)

• Repair estimates or contractor bids

• Photos of damage (before and after cleanup or repairs)

• Receipts and invoices for any completed repairs or recovery purchases
  
  

Keep both paper and digital copies of these documents organized in one location to simplify the application process.

Colorado State-Funded Programs

In some cases, Colorado may provide state-funded 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

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 low and moderate income communities. 

What to Keep in Mind

• Programs take time to launch. Long-term funding is not immediate. It may take months to set up and distribute.

• Funding is limited. Priority may be given to businesses based on need, economic impact, location, or sector.

• Stay informed. Sign up for updates from your local economic development office, emergency management agency, or Colorado’s Office of Economic Development & International Trade (OEDIT).

• Prepare in advance. Even if the program hasn’t launched yet, begin organizing your documentation and evaluating your needs now.

Long-term recovery programs are an opportunity to not just repair—but improve. With the right preparation, they can help your business build back stronger, safer, and better equipped for the future.

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As you move into long-term recovery, it’s important to complete construction, close out any insurance or assistance claims, and update your property records. These steps help protect your investment, ensure your business is safe and up to code, and prepare you for future needs—whether that's refinancing, selling, or planning for future disasters.

Complete Repairs or Rebuilding

Once repairs or rebuilding are complete, ensure the contractors confirm all work meets local building codes. Contact your city or county building department to schedule any final inspections required to close out your permits.

Keep the following in your permanent property records:

• Copies of permits and inspection reports

• Final construction plans and change orders

• Contractor warranties for labor and materials

• Product warranties for appliances or systems installed during repairs

If any problems arise after the work is done, follow up promptly with the contractor while warranties are still active.

Close Out Assistance and Insurance Claims

Submit all required paperwork, receipts, and final documentation to any organizations that provided assistance—such as FEMA, HUD programs, or your insurance company. This may include:

• Proof of completed work

• Final invoices

• Photos of finished repairs

If a claim was denied or paid at a lower amount than expected, you may still be able to appeal. Many funding programs allow for reconsideration with additional documentation.

It’s also a good time to meet with a tax professional to review how disaster-related expenses, grant funds, or insurance payouts may affect your taxes. You may qualify for deductions or need to report certain types of assistance.

Update Property Records and Insurance

Once work is complete:

• Update your deed or title if ownership has changed due to inheritance or estate transfer during the disaster

• Notify your local property assessor’s office if structural changes were made that affect your property’s value

• Inform your business insurance provider of any upgrades or changes, and make sure your policy reflects the new value of the property

• If you've installed mitigation features like flood vents, roof reinforcements, or building elevation, ask about insurance discounts

Keeping your records current helps ensure your property is properly valued, protected, and ready for whatever comes next.

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Recovering from a disaster can leave lasting financial challenges for your business. Once your property is repaired and operations are back on track, the next step is to stabilize your finances. This phase is about managing debt, rebuilding financial reserves, and protecting your business from future disruptions.

Create or Update a Post-Recovery Budget

Start by reviewing your current income, cash flow, and all recovery-related expenses. Include loan repayments, credit card balances, emergency payroll, equipment replacement, and any temporary relocation costs.

• Adjust your budget to reflect new operating costs, such as increased insurance premiums, new lease terms, or ongoing repairs.

• Use financial software or a simple spreadsheet to track income and expenses.

• Consider building in a reserve fund for future emergencies.
  
  

Manage Disaster-Related Debt

If you used a disaster loan—such as an SBA Business Physical Disaster Loan or Economic Injury Disaster Loan (EIDL)—understand your repayment terms, interest rates, and deadlines.

• Set up automatic payments or reminders to stay current.

• If cash flow is tight, reach out to your lender early—many offer restructuring, deferment, or hardship options.

• Maintain a written log of how the funds were used in case you’re audited or applying for additional assistance.
  
  

Access Financial Counseling

A small business financial advisor or counselor can help you:

• Create a recovery strategy

• Refinance or consolidate debt

• Avoid bankruptcy or default

• Plan for long-term financial health
  
  

Look for SBA-affiliated Small Business Development Centers (SBDCs), Community Development Financial Institutions (CDFIs), or local nonprofit small business support networks. Many offer no-cost advising and workshops.

Understand Tax Implications

Disaster expenses, insurance payouts, and relief grants may have tax consequences. A certified tax professional can help you:

• Determine if you qualify for tax deductions or credits

• Navigate IRS disaster relief programs

• Report business losses or gains correctly
  
  

Keep detailed documentation of all disaster-related expenses, insurance payments, and rebuilding investments to support your filings.

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Once your business is stabilized, use this period to build long-term resilience. Updating key records, policies, and preparedness plans now can help reduce future disruptions and protect your operations from emerging risks.

Update Insurance Coverage

Make sure your insurance policies reflect your business’s current state—especially after repairs, renovations, or equipment replacement.

Notify your agent of any changes to square footage, layout, inventory, or business activities.

• Add or adjust coverage for business interruption, data loss, or specific hazards like flooding or wildfire, depending on your risk profile.

• Confirm that new assets or expansions are adequately insured.

Strengthen Your Business Continuity and Emergency Plans

Revisit and revise your existing plans to reflect what you learned during the disaster.

• Document what worked well and what didn’t in your response and recovery.

• Identify critical operations, backup suppliers, and alternate work locations in case of future disruptions.

• Assign emergency roles to team members and create communication trees for internal and external updates.

Invest in Staff Training and Risk Reduction

Use this opportunity to build internal capacity and reduce future vulnerability.

• Train staff on emergency protocols, safety procedures, and data recovery steps.

• Explore inventory digitization or POS system backups to safeguard business operations.

• Consider investing in cyber liability training or tools to better protect against digital threats.

Back Up Key Records

Ensure that your most critical business data is secure, accessible, and protected against future disasters.

• Store physical copies of licenses, contracts, tax records, insurance documents, and personnel files in a waterproof, fireproof container.

• Scan and store digital versions in a secure cloud platform with encryption.

• Keep duplicate copies off-site or in a secure alternate location for added protection.

Best Practice
Make this part of your annual operations checklist. Reviewing insurance coverage, testing backup systems, and practicing emergency protocols can help ensure you’re not only prepared for the next challenge—but positioned to recover more quickly.

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Long-term disaster recovery is about more than physical rebuilding and restoring finances—it’s also about healing emotionally, reestablishing community connections, and helping shape what comes next. This phase of recovery offers an opportunity to strengthen your support systems and be part of your community’s path forward.

Recognizing that you, your business, and your staff may still be impacted by the disaster events long after the debris has been removed and the physical signs of the disaster fade. Building strong relationships in the community will allow you to better understand important changes that could impact your business, your clients, and your staffing. 

Continue Behavioral Health Support if Needed

Surviving a disaster can have lasting emotional effects—whether it's the trauma of displacement, the stress of rebuilding, or the grief associated with the loss of a loved one, lost memories, or lack of stability. These feelings can surface weeks or even months after the event, and they don’t always go away on their own.

If you engaged in counseling or behavioral health support before the disaster or during earlier recovery phases, consider continuing that care as you move forward. Ongoing therapy can help you process complex emotions, reduce anxiety, and build long-term coping skills. Even if you didn’t seek support right away, it’s never too late to start.

Behavioral health services may be available through local clinics, schools, hospitals, or nonprofit organizations. Many areas offer free or low-cost mental health support for disaster survivors, especially if federal or state funding has been activated. If you’re unsure where to begin, contact your local public health department, call 2-1-1, or ask your disaster case manager for a referral. The 988 Colorado Mental Health Line offers free, immediate support 24/7 and can be accessed by calling or texting 9-8-8. See the Mental Health resources link below for additional resources. 

Rebuild Local Social and Support Networks

After a disaster, it’s common for social networks to break down—neighbors relocate, schools close temporarily, and familiar routines are disrupted. Yet rebuilding these connections is an important part of recovery.

Make time to reconnect with people who supported you before the disaster—friends, neighbors, coworkers, or community members. Even informal gatherings like potlucks, support groups, or neighborhood clean-up days can go a long way in restoring a sense of belonging and stability.

If you’ve moved to a new area or your local community has changed significantly, look for new opportunities to connect with individuals in the community. Faith-based groups, libraries, schools, local nonprofits, and volunteer organizations often host community events, wellness programs, or recovery-related activities that are open to the public.

Support doesn’t always need to be formal—sometimes, it’s about finding people who understand what you’ve been through and are willing to walk the journey with you. Leaning on others, and allowing them to lean on you, can be a powerful part of healing.

Participate in Community Recovery Planning

Rebuilding a community after a disaster is a shared effort—and your perspective as a member of the survivor community is valuable. Local governments and community organizations often host public meetings, listening sessions, and surveys to shape long-term recovery strategies. Topics may include housing redevelopment, infrastructure improvements, future risk reduction, and resource distribution.

By participating in these efforts, you can help ensure that recovery plans reflect the real needs of residents—not just technical solutions. You’ll also gain insight into what changes are coming, what resources are being made available, and how to advocate for equity, accessibility, and inclusion in the rebuilding process.

Stay informed by signing up for updates from your local government, long term recovery groups (LTRGs) or other community groups that form after the disaster. If you’re unsure where to start, check your city or county website for announcements or reach out to a local community-based organization involved in the recovery effort.

Engaging in community recovery not only helps make sure your voice is heard—it also connects you to a larger network of people working toward recovery, shared resilience and renewal.

Resources

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