Storm, Hurricane and Flood Damage Cleanup

Safety after a storm

Do not enter flooded areas until the power is off and local officials say it is safe. Flood water can hide debris, hold chemicals and carry electrical current. Avoid driving through flooded roads.

What flood water does to a building

Outside water usually carries contaminants, so carpet, pad, insulation and drywall that were soaked are typically removed. Structural framing, concrete and some hard surfaces can be cleaned and dried. Electrical systems and appliances that were submerged should be checked by a qualified electrician before use.

Insurance and flood coverage

Standard homeowners policies generally do not cover flood from rising water. That takes a separate flood policy, such as one through the National Flood Insurance Program or a private insurer. New flood policies commonly have a waiting period before coverage begins, so the time to buy is before a storm approaches. If you have flood coverage, report the loss quickly and document everything.

Working with many crews at once

After widespread events, providers prioritize by severity and distance. Give your exact location, the water depth, whether anyone is vulnerable and whether you can be reached by phone. Be wary of door to door offers that ask for large cash payments upfront.

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