5 THINGS YOU SHOULD DO IF YOUR HOUSE FLOODS

1. Put On Protective Gear

“Floodwaters can contain harmful bacteria, fecal matter, and even snakes or other critters,” says Audrey Monell of Forrest Anderson Plumbing and AC, in Phoenix.

2. Document The Flood Damage

 

“This will help your claims adjuster with the necessary documentation and investigation of your claim,” says Stefan Tirschler, product and underwriting manager at Square One Insurance Services.

3. Remove The Water And Increase The Airflow

“If gray or black water [from sinks and sewers] was involved in the flood, avoid coming into contact with the water,” warns Tirschler.

4. Be Aware Of Electrical Components

“To avoid electric shock, make sure the electrical breaker is off before electronics and appliances are moved or unplugged,” says Raymond Plante, vice president of account services for Rainbow International, a water damage, fire damage, and mold restoration company.

5. Call Your Insurance Provider

“The insurance adjuster assigned to your claim will help you to quantify the damage to your home, confirm that it is covered, and help you identify contractors to repair the damage,” says Tirschler.

“Your home insurance provider will generally help cover emergency mitigation expenses as part of your overall claim,” Tirschler says.

“Some may include coverage by default, while others may have upgraded flood coverage available as an optional endorsement,” Tirschler says.