After a disaster, you need to start assessing the damage, and recovering what you can. Insurance companies assume that you will take reasonable precautions to prevent any further damage to your belongings. This means that if there’s a hole in your roof, and it’s going to rain, you should patch it up with a tarp to prevent further damage. If you don’t, and it would have been reasonably easy for you to do so, your insurance company could refuse your subsequent rain damage claim.
If you can’t get back, that’s okay. Your insurance company doesn’t expect you to risk life and limb (and defy the National Guard) to put a tarp up. They want you to be reasonable and prudent, not foolhardy.
How do I file an insurance claim? Is there anything else I should know about? File your claim
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