Mitigate Damage After a Flood

4/29/2020 (Permalink)

A flooded home in Miami, FL

Mitigate Damage After a Flood

While a flash flood or unexpected flooding from a burst pipe can’t be planned for, homeowners in Miami, FL, who live near wetlands or flood-prone zones know the importance of flood insurance. Even with the added coverage, minimizing the flood damage is key to getting your home back to normal and ensuring a smooth claim.

Extra Peace of Mind

Every flood insurance policy may be different, so it is vital to completely understand your specific coverage. In general, this additional policy will assist with repair or replacement costs for the following directly affected by floodwaters:

• Electrical, plumbing and HVAC systems
  
• Kitchen appliances
  
• Carpeting
  
• Cabinets and permanent paneling or bookcases
  
• Foundations
  
• Detached garages
  
• Electronics
  
• Furniture
  
  

Although there is the relief that your property and belongings may be covered, homeowners still need to safeguard against additional damage from happening.

Minimize Secondary Damage

Regardless of how the waters came about, they often lead to mold damage. Once your home has been deemed safe to enter, assessing the damage and making temporary repairs may be necessary. It is important to work with your insurer to verify what can and can’t be done. Taking pictures of the damage, as well as the repairs made, is an important way to catalog the situation.
Removing water and circulating air are imperative to reducing mold growth. If possible, use fans and open doors and windows to let in fresh air. Nonpermanent items that have been affected by floodwaters should be removed from the home. This may include rugs, furniture, electronics, and clothing. Again, take pictures of all affected items. While working with your insurer, the sooner you call a flood, storm, and mold remediation expert, the easier it is to mitigate further damage.
While flood insurance may ease the restoration burden, taking quick action can help reduce damage to your home and make the process go more smoothly.