Flood can be caused by bad weather or the home water system malfunctioning. After the waters ebb, it’s important to act fast. This will better ensure the safety of your home. It can also provide the best outcome possible with your insurance company. Today, we discuss what to do after a flood hits your home.
After a flood, offset any additional risks
If it’s safe enough to return to your home, keep an eye out for any visible structural damage. These can include cracks, warping, holes, and loosed foundation. Get in touch with your utility companies if you think there’s damage to the water, gas, and electric lines. Put on safety gear before entering your home and switch off the fuse box.
After a flood, document everything
Before you start up with the cleaning or repairs, document everything. Make use of a camera to take photos or better yet, record the damage. Digital copies are your best friend. They’re easy to store and easy to duplicate. This helps build your case when it’s time to talk to your insurance provider. Having documentation to show the crew company also helps. It will give them a pretty solid idea of what they’re going to deal with.
After a flood, get it touch with your insurance company
When struck by disaster, one of the first things you should do is to contact your insurance company. Always save your insurance agent’s number on your emergency phone. If the agent isn’t available, contact the company headquarters directly. It is important to note that groundwater is not normally covered by insurance companies. So you may need to work with your insurer to establish the cause of the flood and the extent of your coverage. Tell your insurance representative about the state of your home and any repairs you intend to do immediately. Follow the insurance company’s direction about whether or not to wait for an adjuster to inspect the property before making repairs. At least then, you won’t risk losing your coverage.
After a flood, remove lingering water
After getting a go signal from your insurance company, it’s time to get started. You can make use of a pump from a local hardware store. You can also have the crew you hire to take of it with their equipment. Whatever you decide, make sure that the windows are open to ventilate your home.
After a flood, stem mold growth
Mold and flooding go hand-in-hand sometimes. It takes less than 48 hours for mold to grow if conditions are right. Remove any and all wet fabrics from your home. Hang them somewhere to dry if you want to salvage it. If valuable and insured items, like rugs, are damaged don’t forget to document it. Don’t be afraid to throw out large pieces of furniture that have been thoroughly soaked. Large pieces are often very hard to dry. Always document before removing wet wall boards and baseboards since insurers will want to see the height of any water damage to walls.
After a flood, secure your home
After documenting the existing damage, it is now your responsibility to avoid additional damage. Cover up any holes in walls even if it means using plastic wrap or planks. If your roof has been damaged, use a tarp to secure it. Don’t forget to take photos of your quick fixes. This shows your insurance company that you’ve done your part in mitigating more damage.