Most people normally value their homes. However, accidents normally happen when you least expect. Your home can be flooded at any time. This mostly happens to those people who live in areas that are normally affected by storms and so forth. Floods are a common phenomenon in such places. Flood damage happens when water damage occurs from a water intrusion from outside your homes structure. If your insurance policy covers flood damage, you can easily get compensated.
You will note that most policies normally exclude flood coverage because they are costly to purchase. Flood waters are normally considered contaminated waters because they can cause damage that is more expensive to fix than just regular water that comes from a kitchen pipe in your house. There are several steps that you should follow in the event of flood damage. These include:
1. Make an insurance claim
This is one of the first steps that you should take after you've experienced flood damage in your home. You should make a claim with your insurance company. You will realize that they will require a general description of the damage to the property. Depending on the level of destruction, your insurance company will get back in touch within a few days.
2. Hire an insurance adjuster to look at the damage.
It is important that an adjuster visits the property to evaluate the damage. He or she will determine if the problems were caused by wind or water. This decision will greatly affect what the agency will cover.
3. Ensure that you document all the damages.
You should document all the damages caused as a result of flood damage before making any repairs. This can include the destruction of things such as: furniture walls, ceilings and so forth. If water rose significantly, your electrical system may require to be checked. You can also take photographs and videos of any structural destruction as well as any contents that were affected.
4. Take measures to mitigate further problems.
Once you have made an insurance claim, you should make temporary repairs to your home in order to prevent additional issues. If your windows had been broken, you should cover them with plywood. If your roof had been damaged, you can hire a professional to repair it. This can prevent your property from becoming damaged. However, you should save the receipts for this work so as to recoup the costs. It is important that you keep the undamaged windows and doors open so that your house can dry out. This can go a long way in preventing the growth of mold.
5. Schedule permanent repairs.
Once everything has been evaluated you should begin to schedule the repair work. In this case, you can get a reputable contractor to help you out.
Flood damage can be detrimental to your home. You should follow the above-mentioned steps in the event of flood damage in your home.
Flood Damage In Your Home Or Business? Contact the professionals here at SERVPRO of Oldham/Shelby County. 502.241.6861
SERVPRO of Oldham/Shelby County also proudly serves Spencer, Henry and Trimble Counties.