Flood Damage >> Federal Grants For Residential Flood Protection

Odds are that the area where you live will flood again. Before you spend a great deal of money and Federal Grants For Residential Flood Protection effort repairing and rebuilding, ask yourself this question:Do I really want to be flooded again?If you think that you would be better off in a different location,talk to your local government or disaster assistance officials about help rebuilding where floods can no longer damage your home.

There are programs that will buy some properties with housesthat have been destroyed or Federal Grants For Residential Flood Protection substantially damaged. Otherprograms give financial help tomove or elevate houses so they areabove flood levels. See Step 7for more information on floodproofing assistance programs.

If you decide to stay, you canstill make your home less susceptible to damage from the next flood. Before you start repairingand replacing things just like theywere before, look at the floodproofing measures in Step 8.Flood proofing as you repair and Federal Grants For Residential Flood Protection rebuild can save a great deal ofmoney over time.

Protecting yourhome from future floods will alsoadd value to your property.Plan Your RecoveryGet organized with a recoveryplan. A recovery plan is simply alist of jobs that need to be done.Planning can help you save timeand money. Federal Grants For Residential Flood Protection

Doing things in theright order will also make everyone feel better—you'll know youare making progress withoutwasting effort.To develop a recovery plan,follow these steps: Make sure it is safe to work inyour home. You'll want to goback to your home as quickly aspossible. But you must makesure the building is safe andsound. (See Step 2). Federal Grants For Residential Flood Protection

Review the rest of therecovery steps in this book.Start making lists. Begin withthe projects such as "replacefurnace" and "dry out walls."Write down items you will needsuch as cleaning supplies or filmand paper for record keeping. Ifnecessary, Federal Grants For Residential Flood Protection make plans for a placeto stay while you clean up. Decide what you can andcan't do.

You can save moneyby doing much of the workdescribed in this book as youcan. But be realistic. Jobs suchas propping up broken foundations and replacing electricalservice boxes are best left to theprofessionals. Many other jobsmay be too involved or Federal Grants For Residential Flood Protection tooheavy for you. Decide if you need financialassistance.

If you need toreplace items or hire a professional and you don't have insurance, there may be some voluntary organizations that can helpyou. (See Step 7.) Check thelocal newspaper, radio and Federal Grants For Residential Flood Protection TVstations for notices about RedCross, church, and governmentdisaster programs. Check with your mortgageholder.

If your mortgage holder is listed on your insurancepolicy, you cannot cash yourinsurance claim check withouttheir approval. Before youdecide on repairing and floodproofing, Federal Grants For Residential Flood Protection make sure that yourloan will not be affected. Themortgage holder may be able toprovide financial help, such asdeferring interest payments fora month or two.

Think before you use creditcards. Credit cards may be thefastest way to handle repair and Federal Grants For Residential Flood Protection rebuilding expenses, but theyare also very costly. Their interest rates can be up to two percent per month (24 percent peryear). A second mortgage orlow interest government loan isa much less expensive way toborrow money for home repairs.

Keep talking openly with yourfamily. Some of the biggestproblems that come with adisaster are the mental strain ofthe loss and worries about thefuture. Work together and Federal Grants For Residential Flood Protection leteveryone know what you will bedoing in the days ahead.

Jobs an owner can usually handleby following the steps in this book Sorting contents to be repaired ordiscarded Drying the ceiling, walls, Federal Grants For Residential Flood Protection and floors Drying and cleaning electricalcircuits and boxes (if code allows)

Removing minor debris such asbranches and trash Checking the gas or oil system Fixing leaky pipes Checking sewage disposal system Building and Federal Grants For Residential Flood Protection contents cleaning Checking sources of financialassistance Minor floodproofing projectssuch as building an earthen wallor raising appliances

Jobs that usually requireservices of a professional Structural repairs Restoring electrical service Wallboard taping and finishing Checking the water system toensure that it is safe to drink.(That service is often free fromthe local health department.) Federal Grants For Residential Flood Protection

Major debris removal such as treecutting Electrical and gas appliance andmotor cleaning and repair Cleaning leather, furs, upholstered furniture, Federal Grants For Residential Flood Protection and expensivecarpeting Major floodproofing projectssuch as moving or elevating ahome. Floodwaters affect a home threeways:

1.The water damages materials. Wallboard will disintegrate if itremains wet too long; wood canswell, warp, or rot; electrical partscan short out, Federal Grants For Residential Flood Protection malfunction, andcause fires or shock.

2. Mud, silt, and unknown contaminants in the water not onlyget everything dirty; they alsocreate a health hazard.

3. Dampness promotes the growth ofmildew, a mold or fungus thatcan grow on everything.The following steps work on allthree of these problems. It is veryimportant that they be followed inorder. Federal Grants For Residential Flood Protection

Lower the HumidityEverything will dry more quicklyand clean more easily if you canreduce the humidity in the home.There are five ways to lower thehumidity and Federal Grants For Residential Flood Protection stop the rot andmildew. But you'll have to delayusing some methods if you haveno electricity. (Read Step 5before you attempt to restore theutilities.)

Open up the house. If thehumidity outside is lower thanindoors, Federal Grants For Residential Flood Protection and if the weather permits, open all the doors andwindows to exchange the moistindoor air for drier outdoor air.Your body will tell if thehumidity is lower outdoors. Ifthe sun is out, it should be drieroutside.

If you have athermometer with a humiditygauge, you can monitor theindoor and outdoor humidity.On the other hand, whentemperatures drop at night, anopen home is warmer and Federal Grants For Residential Flood Protection willdraw moisture indoors. Atnight and other times when thehumidity is higher outdoors,close up the house.

Open closet and cabinetdoors. Remove drawers toallow air circulation. Drawersmay stick because of swelling.Don't try to force them. Speeddrying by opening up the backof the cabinet to let the aircirculate. You will probably beable to remove the drawers asthe cabinet dries out. Use fans. Fans help move theair and Federal Grants For Residential Flood Protection dry out your home.

Donot use central air conditioningor the furnace blower if theducts were under water. Theywill blow out dirty air, thatmight contain contaminantsfrom the sediment left in theduct work. Clean or hose outthe ducts first. (See Step 2.) Federal Grants For Residential Flood Protection

Run dehumidifiers.Dehumidifiers and window airconditioners will reduce themoisture, Federal Grants For Residential Flood Protection especially in closed upareas. Use desiccants. Desiccants(materials that absorb moisture)are very useful in drying closetsor other enclosed areas whereair cannot move through.

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