Essential steps to take when your home floods

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Published Date 11/22/2024

Because flooding events have dominated headlines this year, with Hurricane Helene causing devastation in Asheville, NC, and major flooding expected in Delaware and Philadelphia, Realtor’s Terri Williams offers thoughts on how to handle this catastrophic event.

According to the weather service, low-lying areas near shorelines and tidal waterways could experience up to one foot of water above ground level,” says Williams. “However, you don't need to live in a flood-prone area to experience water damage in your home. Burst pipes, overflowing toilets, and malfunctioning washing machines can all lead to indoor flooding. While it's impossible to prevent every disaster, knowing how to respond can make a crucial difference in protecting your property and health.”

The first crucial step when facing a flood is to don protective gear. According to Phoenix, AZ-based plumber Audrey Monell, floodwater can harbor dangerous bacteria, fecal matter, and even wildlife, making it far more hazardous than regular household water.

Before beginning any cleanup efforts, document all damage thoroughly. Contractor Craig Ricks Jr. emphasizes the importance of extensive documentation for insurance purposes. Take photographs or video footage of affected areas, but only if it's safe to enter the property. Your personal safety should always take precedence over documentation.

Water removal and ventilation are next on the priority list. While major floods typically require professional restoration services, especially when dealing with contaminated water from sinks or sewers, homeowners can take immediate action using wet-dry vacuums. After cleanup, use fans, dehumidifiers, and desiccants while keeping windows open to prevent moisture-related damage.

Electrical safety is paramount during flooding. Experts warn against touching any electrical components or appliances until confirming the power is off to avoid electrocution risk.

Contacting your insurance provider should be done as soon as possible. Insurance underwriter Stefan Tirschler explains that an assigned adjuster will help quantify damage, confirm coverage, and identify appropriate contractors for repairs. Keep all receipts for emergency expenses, as these might be covered by your policy.

Insurance coverage for flooding varies significantly between policies. Some include flood coverage by default, while others offer it as an optional addition. In cases of extensive damage requiring temporary relocation, some policies may even cover additional living expenses such as hotel stays and clothing care.

Remember that while flood damage can be overwhelming, taking systematic action and maintaining proper documentation can help ensure the best possible outcome for both your property and insurance claim.

Realtor,TBWS

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J.C. Mier The Mortgage GOAT

Branch Manager/ Loan Officer

NMLS: 258527

Mortgage Goat LLC

130 N Preston rd #318, Prosper TX 75078

Company NMLS: 258527 /133739

Office: 469-628-4544

Cell: 469-628-4544

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