Whether a flood is caused by rain, groundwater, or a malfunction in your home’s water system, there are some recommended measures you should take within the first 24 hours after the flood to assure the security of your home and family and the best possible outcome with your insurance company.
Avoid Taking Additional Risks
If the flooding was severe enough that you had to leave your home, make sure you get home safely. Check for visible structural deterioration before entering the house, such as warping, loosened or cracked foundation sections, fissures, and holes. Contact the utility company if you presume that water, gas, electric, or sewer lines have been damaged.
Take Photographs
Take photos or videos before removing any water or performing any repairs to fully document the damage for your insurer. Digital versions are desirable since they can be easily stored and copied electronically. He adds that removing water or doing repairs before photographing the damage may limit the extent of your coverage. That is why it is recommended to utilize the services of firms such as PuroClean of San Antonio, since they are knowledgeable with the insurance claim process.
Take Care of Your Health
Even though the water in your home is pure, it could be contaminated by sewage or household pollutants. Waders and waterproof boots that are hip- or waist-high are advised. Wear rubber gloves when removing water-damaged items to avoid contamination. Any foodstuffs that come into contact with floodwaters should be discarded. And if there are unfortunate deaths in the property, call professional services because the situation can be comparable to cleaning a crime scene.
Contact Your Insurance Provider
Because you should contact your insurer as soon as possible after the flood, keep the contact numbers for your insurance company and local agent in your emergency kit at all times. If a flood has hit an area or neighborhood, your agent may be distracted by their own flood problems. In that case, call the insurance company’s headquarters office.
Because groundwater flood damage is frequently excluded from ordinary homeowners insurance plans, you will need to collaborate with your insurer to determine the cause of the flood and the scope of your coverage.
Determine if You Are in a Disaster Zone
When a location is formally classified as a “disaster area” by government authorities, property owners can access additional resources, including public services, to protect and rehabilitate the region. You might also be eligible for financial assistance.
Remove Water
Once you’ve received approval from your insurer to remove the water, use a sump pump. Remember that water is heavy, with a cubic foot weighing 10 pounds, so be careful not to injure yourself, especially if you’re carrying buckets of water upstairs and downstairs. Open doors and windows to enable fresh air to circulate, as long as this does not allow extra water to enter.
Reduce Mold Damage
Mold can begin to grow 24 to 48 hours after a flood, so remove wet contents, particularly carpets and beds, as soon as possible. If an object has been wet for less than 48 hours, it can be salvaged. However, you must determine whether the monetary or sentimental value is sufficient to justify the effort. Also, notify your insurance company for water damage repair prior to removing anything to ensure that your coverage is not jeopardized. Always photograph flood-damaged items.
Conclusion
Floods and flash floods are extremely dangerous and can occur in all 50 states. They are the most common and pervasive natural disasters, second only to fire; hence, knowledge and planning are crucial in limiting losses.
