Flood Damage >> The Advantages And Disadvantages Of Flood Defenses

If the code permits, it is probably best to throw away switches and outlets that were flooded and replace them with new ones. (See Step 5).

3.Check your water system for leaks from pipes that may have moved. (See Step 5). Even if your water supply is not safe to drink, it can be used for cleaning the home. If you have water, The Advantages And Disadvantages Of Flood Defenses hose the home down,inside and out. 

If you have an attachment that sprays soap,wash and then rinse the walls and floors. Hose the furniture,too, and other major items that got muddy.

4. Heating and air conditioningducts that got flooded will havemud left in them. If you dontclean them out, your systemwill be blowing foul, The Advantages And Disadvantages Of Flood Defenses dusty airthat contains the same healthhazards you are trying to get ridof. To clean the ducts, removethe vents or registers. If possible, remove some sections ofthe ducts in the basement orcrawl space to give you access toall areas. Then thoroughly hoseout all the ducts.

5.While you hose the walls, thoroughly hose out the electricaloutlet, switch boxes, and lightsockets that you opened up.Follow the steps (found later inthis document) before turningthe electricity back on. The Advantages And Disadvantages Of Flood Defenses

6.After you hose out the duckwork to remove the mud, washit with a disinfectant or sanitizer, such as the quaternary, phenolic, The Advantages And Disadvantages Of Flood Defenses or pine oil based ones.(Check labels for the contentsand instructions). If your ductsare in a slab or are otherwiseinaccessible, have them cleanedby a professional.

7.Dont let the water sit on thefloor for long, especially if yourfloor has particle board or otherwood product that tends to fallapart when wet. Use a mop,"wet vac, or squeegee. Before you try to clean up and The Advantages And Disadvantages Of Flood Defenses repair everything, you need toassess your damage and develop arecovery plan. An organizedapproach will make the best useof your time and money. 

If yourstructure is substantially damaged,you need to ask yourself if youshould rebuild at all—it may besmarter, safer, and cheaper torelocate. If you do rebuild, yourrecovery plan should include thefloodproofing measures that can beincorporated with repairs and The Advantages And Disadvantages Of Flood Defenses cansave you thousands of dollars in thefuture (see Step 8).

Call Your Insurance AgentYou need to tell your agent aboutthe damage to your home andcontents so that your agent canfile a claim. The sooner you cantalk to your agent, The Advantages And Disadvantages Of Flood Defenses the sooner yourclaim will be filed and an adjusterwill be assigned to review yourdamage. 

How much of your lossis covered will depend on yourpolicy. But even if you dont havefull coverage, The Advantages And Disadvantages Of Flood Defenses your agent may beable to give you advice aboutwhere to get help with cleanupand repairs.Your property insurance will fallinto one of three categories:

1. Homeowners insuranceusually covers losses caused bywind, storm, or broken waterpipes, but not surface flooding.Some homeowners policies maycover basement flooding causedby sewer backup or sump pumpfailure. The Advantages And Disadvantages Of Flood Defenses

2. Flood insurance covers mostlosses caused by surface floodwater.

3. Wind and hail insurancecovers losses in coastal areasfrom the winds of a hurricane.In coastal areas, homeownersinsurance often does not coverdamage from wind.Read your insurance policies sothat you will know what is coveredand what is not. The Advantages And Disadvantages Of Flood Defenses

If your insurancecovers the damages, your agentwill tell you when you can expectan adjuster to contact you. Theadjuster will determine the coststo repair the damage to yourhome and your belongings. Theadjuster will then submit thosecosts to the insurance company forfinal approval. Your agent willalso tell you what to throw away, The Advantages And Disadvantages Of Flood Defenses and what to set aside for theadjuster to review. 

Find out ifyour insurance covers livingexpenses while your home is beingrepaired. (Flood insurance doesnot cover that cost.)Start listing the damageList the damage and take picturesor videotapes as you clean up soyou will have a complete andthorough record. The Advantages And Disadvantages Of Flood Defenses

Good recordsare needed for insurance claims,applications for disaster assistance, The Advantages And Disadvantages Of Flood Defenses and income tax deductions.Some items that are healthhazards, such as rotting food anddebris, should be thrown away. Damage to the building Damage to the contents (see sample inventory form, next page) 

Receipts for cleanup and restoration expenses, such as material,labor, The Advantages And Disadvantages Of Flood Defenses and equipment rental, andreceipts for flood-related expenses, such as motel bills. (Keepthese in one place, like in andenvelope in your car.) Tell your agent or adjuster thatyou need to get rid of this trashbefore you throw it out. 

Theyshould tell you what to do so thatall of your losses can be recordedproperly by the adjuster. (Seeother pages in this document onsorting items to discard.) Youmay be told to keep a sample ofitems such as a piece of carpet orupholstery to show the value ofwhat you have thrown away.or walls will have to be totallyrebuilt. The Advantages And Disadvantages Of Flood Defenses

Repair safety hazardssuch as broken pilings or anundermined foundation beforeyou proceed any further. Getprofessional help for any task youcannot confidently do yourself.You will need a building permitto repair structural damage. Talkto your building departmentbefore you start reconstruction or The Advantages And Disadvantages Of Flood Defenses sign any repair contracts. 

If thedamage to your homes structureexceeds 50% of the market valueof your home, The Advantages And Disadvantages Of Flood Defenses most local buildingcodes will require you to elevate itabove flood levels. Some may notallow you to rebuild at all. (Formore information on buildingpermits, See Step 8.)

Ask the Big Question

Odds are that the area where youlive will flood again. Before youspend a great deal of money andeffort repairing and rebuilding, The Advantages And Disadvantages Of Flood Defenses askyourself this question:Do I really want to beflooded again?If you think that you would bebetter off in a different location,talk to your local government ordisaster assistance officials abouthelp rebuilding where floods canno longer damage your home.

There are programs that willbuy some properties with housesthat have been destroyed or The Advantages And Disadvantages Of Flood Defenses substantially damaged. Otherprograms give financial help tomove or elevate houses so they areabove flood levels. See Step 7for more information on floodproofing assistance programs.

Ask someone to sign yourrecord as a witness. If you haveflood insurance, you will need tofile a Proof of Loss form within60 days of the flood. (See Step 7).Completing your own inventoryform will make this form easier tocomplete and The Advantages And Disadvantages Of Flood Defenses will also help theadjuster determine the costs torepair the damage to your homeand belongings.

Check for StructuralDamage

You need to find out whetherthere is any structural damage toyour home. (You will probablyneed professional help in makingthis decision.)Is there evidence of broken orcracked basement or foundationwalls? Are there broken pilings,shifted stairs, or slanted floors orwalls? Any of these things couldmean that the foundation, floors, The Advantages And Disadvantages Of Flood Defenses or walls will have to be totallyrebuilt. 

Repair safety hazardssuch as broken pilings or anundermined foundation beforeyou proceed any further. Getprofessional help for any task youcannot confidently do yourself.You will need a building permitto repair structural damage. Talkto your building departmentbefore you start reconstruction or The Advantages And Disadvantages Of Flood Defenses sign any repair contracts. 

If thedamage to your homes structureexceeds 50% of the market valueof your home, most local buildingcodes will require you to elevate itabove flood levels. Some may notallow you to rebuild at all. (Formore information on buildingpermits, See Step 8.) The Advantages And Disadvantages Of Flood Defenses

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