Whether a flood is caused by rain, groundwater, or a malfunction in your home’s water system, there are a few recommended steps you should take in the first 24 hours following the flood to secure the safety of your home and family and the best possible outcome with your insurance company.
Avoid Taking Additional Risks
If the flooding was severe enough to force you to evacuate, make certain you return safely. Before entering the home, look for visible structural deterioration such as warping, loose or broken foundation components, fissures, and holes. Make contact with this restoration company or utility companies if you suspect damage to water, gas, electric, or sewer lines.
Take photographs or videos before removing any water or performing any repairs to completely document the damage for your insurer. Digital versions are preferred since they can be easily stored and copied electronically. If you begin removing water or making repairs before photographing the damage, he advises, you risk limiting the scope of your coverage. That is why it is suggested to employ the services of organizations such PuroClean because they are knowledgeable with the insurance claim process.
Take Care of Your Health
Even though the water in your home is pure, it may have been tainted by sewage or household pollutants. Waders and waterproof boots that are hip- or waist-high are advised. Additionally, use rubber gloves to remove water-damaged goods and prevent contamination. Any foodstuffs that have come into contact with floodwaters should be discarded.
Contact Your Insurance Provider
Because you should contact your insurer immediately following a flood, save the phone numbers of your insurance company and local agent in your always-ready emergency pack. If a region or neighborhood has been flooded, your agent may be distracted by his or her water issues. In this case, call the insurance company’s corporate headquarters.
Because groundwater flood damage is frequently excluded from ordinary homeowners insurance plans, you will need to work with your insurer to determine the source of the flood and the extent of your coverage.
Determine if You Are in a Disaster Zone
When government officials legally designate a location as a “disaster area,” property owners gain access to additional resources for safeguarding and remediating the region, including public services. Additionally, you may be qualified for financial assistance.
Once you’ve received approval from your insurer to remove the water, you can call the nearest services for water extraction San Antonio has to offer or use a sump pump. Bear in mind that water is heavy, weighing ten pounds per cubic foot, so take care not to injure yourself, especially if you’re hauling buckets of water up and down the stairs. Allow for the circulation of fresh air by opening doors and windows, as long as this does not result in the entry of extra water.
Reduce Mold Damage
Mold can begin to grow 24 to 48 hours after a flood, so remove all moist contents, especially carpets and beds, immediately. If an object has been wet for less than 48 hours, it may be salvaged. However, you must determine whether the object possesses sufficient monetary or sentimental value to justify the effort. Additionally, notify your insurance carrier before removing items to ensure your coverage is not jeopardized. Always photograph flood-damaged items.
Flooding and flash flooding is possible in all 50 states and are extremely dangerous. They are the most pervasive natural disasters, second only to fire; as a result, education and planning are crucial for minimizing losses.