Do you know what the worst thing that you can wake up to in the morning or walk into at the end of the day is? While there are many different answers, and they are all quite bad, we like to think that the worst would be a flood. After all, what could be much worse that ankle high water that is ruining everything it reaches?
Here are 5 important things to remember if your home floods:
Prevent Further Damage: The first thing that you need to do when you notice water everywhere in your home is to prevent further damage. This can be accomplished by turning off the power to your home, so you do not get electrocuted and a fire doesn’t start.
Gather All Your Important Papers: You may think that all is lost when your home floods, and while almost everything could be damaged, you should be able to replace at least some of it using your insurance. We recommend finding your important papers immediately, so you can start making phone calls and getting repairs and clean up started right away. If you haven’t found a way to keep these papers organized yet, we recommend not only doing so now, but also putting them somewhere high up. This way they won’t get ruined in the water.
File a Claim: Since the repair cost for floods can get into the thousands, you are going to want to file a claim immediately. This ensures that you are only responsible for your deductible and whatever your insurance will not cover or replace. We encourage you to do this right away, as even the smallest amount of standing water can cause a ton of damage.
Document Everything Right Away: We can’t tell you how many people we have seen that haven’t documented anything after a flood and that is the worst thing that you can do. We always say that you should start taking pictures and notes of the damage, as soon as you notice the water. You should even take videos, as they can share more details than photos on occasion. You can then use all this documentation to show the claims adjuster, so that they have the most information possible for your claim.
Begin the Repairs: Once you have alerted your insurance company and filed a claim, we recommend getting the water out of your home. You can use a sump pump if you happen to have one installed, but you may want to call a professional to handle it for you if there is a lot of water. They have the equipment that is needed to remove water quickly. It is important that you keep a receipt for this work, so that you can submit it for reimbursement.
While we understand why you would want to cry when you walk into a home that is flooded, you need to work on the five items above first. This will ensure that your home will not have any additional damage from water sitting too long, and that everything will be back to normal soon.