A flood can leave behind significant damage to your home, from soaked flooring and drywall to damaged electrical systems and personal belongings. Once the water recedes, it’s natural to want to start cleaning and rebuilding right away. However, taking the right steps first can help protect your safety, document the damage, and make the recovery process more manageable.
1. Make Sure It’s Safe to Enter
Don’t enter your home until you’re sure it’s safe. Floodwater can weaken structures and may contain sewage, chemicals, or other contaminants. Electrical hazards may also be present, so avoid turning on utilities or using electrical equipment until they’ve been inspected by qualified professionals.
If it’s safe to enter, wear appropriate protective gear, including waterproof boots, gloves, and eye protection. Take photos and videos of the damage before removing any damaged materials or belongings.
2. Contact Your Insurance Company
Contact your insurance company as soon as possible to report the loss and ask about the claims process. Provide photos, videos, receipts, and any other documentation that can help establish the extent of the damage.
Keep in mind that standard homeowners insurance typically doesn’t cover flood damage; flood insurance is generally a separate policy, so understanding what coverage you actually have is an important part of the claims process. Your insurer may also offer guidance on emergency repairs and the documentation you’ll need. Keep receipts for any reasonable expenses related to the loss, and avoid making permanent repairs until the damage has been fully documented and your insurer has provided direction.
3. Begin Cleanup and Restoration
Once your home is safe to enter, begin addressing standing water and moisture as quickly as possible. A professional restoration company can help remove water, dry out affected areas, and identify materials that need to be removed or replaced.
Mold can begin growing quickly in wet environments, so thorough drying is a critical part of the restoration process. Depending on the extent of the damage, you may also need professionals to handle structural repairs, electrical work, plumbing, flooring, or other restoration needs.
If you’re ready to learn more about flood insurance, the team at Greater Tulsa Insurance Inc., serving Tulsa, OK, is here to help. Reach out today to schedule an appointment with an agent and learn more.
