Are You Insured Against Flood Damage?

Flood Water Damage

Each year, many people become victims of flood water. Many people have no clue whether or not their insurance covers flood damage of their house and they don’t know what to do in these situations. Often the coverage depends on the cause of the flood damage. Flood water damage can occur in many ways and here are some possibilities of flood water damage.

1. Clogging of drains
2. Broken pipes
3. Leaking toilets
4. Natural disasters
5. Leakage of windows or roofs
6. Overflowing sinks, tubs, and washing machines
7. Leaking water beds
8. Leakage from water heaters
9. Water tables that are so high they flood basements
10. Water lines or sewer malfunctions of the city

Don’t Overlook Safety

The most important consideration before starting the cleanup process is to ensure that you are safe and protect yourself from the damage already caused by the flood. Make sure that if electricity is involved, that you remember to turn off all the electricity and wear rubber gloves and rubber boots. Furthermore, if there’s water in the basement, you’ll need to pump out the water to clean it. You should talk to a Austin water damage contractor, and make sure that they can come within 24 hours because it can get dangerous, expensive, unhygienic and difficult to clean beyond that. There are many policies which don’t cover flood damage, so have a look at your insurance policy and make sure you know where you stand. When starting the repair process, be sure to use qualified companies for increased chances of recovering your home to its former state.

Flood Damage Clean Up

Flooding inflicts one of the worst kinds of havoc on homes, and if you have never experienced flood damage before in your life, here are a few tips to guide you to clean up flood damage and restore your home.

• First, you need to shovel out any mud or debris that the waters brought into your house. Wear protective rubber gloves and shoes, and hose off the remaining debris once shoveling is complete.
• Mix two teaspoons of chlorinated bleach per gallon of warm water and use the mixture to scrub the walls, shelves and anything that came into contact with the flood water.
• Remove all furniture, carpets, and rugs and leave them to air outside the house. You might have to get rid of any items that are too damaged by the floods.
• Ventilate your house by opening windows and running fans and dehumidifiers to drive out any moisture. Vacuum any mold that has formed in the house.
• Any paneling or insulation that came into contact with the flood waters might have to be discarded, and any sub-flooring must be exposed to allow it to dry.
• Clean the debris off any books and other paper-based material, seal them in plastic bags and freeze to be able to clean them later correctly.
• During flood damage clean-up, inspect and take photos of your home, particularly the damaged areas, and make a list of all damaged items to make it easy to file insurance applications.