There are two distinctly different types of flood damage that can happen to your home, and it is vitally important that you’re adequately prepared for both. While routine homeowner’s insurance will likely cover flooding because of a burst water heater (provided that it wasn’t caused by your neglect in failing to fix a minor leak), flooding from hurricanes or tornadoes is not typically covered by homeowner’s insurance. You need a special flood coverage to guarantee coverage. Flood insurance is available for both homeowners and renters, with varying prices depending on risk.
Ahead Of Your Home Needs Water Damage Restoration
The critical first step is to make sure you’re adequately insured in the event of a flood.
Flood Doctor (FEMA) has prepared maps to identify places that are particularly in danger of flooding. One in four houses in Particular High Risk Areas will be bombarded during the term of their average 30-year mortgage, so these homeowners are usually needed by their mortgage lenders to get flood insurance.
Moderate to low risk areas can be found outside identified floodplains, but are recommended to have the insurance, while undetermined hazard areas may still have some probability of flooding. Rates for the insurance rely upon the risk classification.
For example, at Austin, Texas both hurricanes and tornadoes can lead to flooding. Exactly the identical neighborhood may have different homes in each of the flood classifications, based on the lay of the property.
Flood Damage Restoration: Everything You Need to Know
The first thing you need to do if your home is damaged by flood is to notify your insurance broker. If there has been significant damage in the area, there may be hundreds of different homeowners filing claims for flood damage recovery, so the sooner you call, the higher you will be in line, and the sooner you’ll get your check.
Before you put in the house, check for structural damage. You do not want to be trapped inside if the house stinks.
Take pictures of any standing water, in addition to damaged land. Make a list of damaged property, along with purchase price, current value, and receipts if you’ve got them.
Be cautious about restoring power where there’s water damage.
Once your home has been damaged by flooding, you have to act quickly to prevent the development of mold and mildew which may be damaging to your family’s wellbeing. Drywall might need to be replaced to prevent the growth of mould behind it.
Some actions that you can take to hasten drying of the dampness include opening all doors and windows and turning on air conditioners and fans. You’ll need to wear boots and gloves to clean and disinfect. Even following the flooded area is dried, you’ll want to watch it for mould growth and be conscious of any musty smells which develop.