Storm Lala has passed, but the money problems are just starting for Hawaii families facing repair bills and insurance fights.

• State lawmakers are telling residents to slow down and photograph damage before cleaning up.
• Rushing the cleanup gives insurance companies an easy reason to deny claims.
• Before-and-after photos are the strongest proof a homeowner can bring to a claim.
• The storm also exposed Hawaii's fragile power grid, with transmission lines over the mountains long a weak spot.
• Lawmakers are surveying residents on how often outages hit and where, to press Hawaiian Electric for a fix plan.

Outlook: Recovery bills and insurance disputes will drag on for months, and there is still no long-term plan to make the grid more reliable before the next storm.