July 2018 ยท 3 minute read

There are two distinctly different kinds of flood damage that can happen to your residence, and it is vitally important that you be adequately prepared for the two. While Flood Damage Virginia will probably cover flooding due to a burst water pipe (provided that it wasn’t due to your neglect in failing to fix a minor escape ), flooding from hurricanes or tornadoes isn’t usually covered by homeowner’s insurance. You want a special flood policy to guarantee coverage.
Before Your House Needs Water Damage Restoration
The crucial first step is to be certain that you’re adequately insured in case of a flood.
One in four homes in Particular High Risk Areas will be flooded during the term of the average 30-year mortgage, so these homeowners are often required by their mortgage lenders to get flood insurance.
Moderate to low risk areas can be found outside identified floodplains, but are suggested to have the insurance, while undetermined hazard areas may still have some probability of flood. Rates for your insurance rely upon the danger classification.
For example, in Austin, Texas both hurricanes and tornadoes may lead to flooding. Exactly the same neighborhood may have different houses in each of the flood classifications, based on the lay of the land.
Flood Damage Restoration: Everything You Need to Know
The very first thing you need to do if your home is damaged by flood would be to notify your insurance agent. When there has been significant damage in the region, there might be countless other homeowners submitting claims for flood damage restoration, so the sooner you call, the greater you’ll be in line, and the sooner you will get your check.
You don’t wish to be trapped inside if the house collapses.
Take photos of any standing water, as well as damaged property. Create an inventory of damaged property, along with purchase price, current price, and receipts if you have them.
Be cautious about restoring power where there is water damage. You may want to call an electrician.
Once your home has been damaged by flood, you have to act fast to avoid the growth of mould and mildew which may be detrimental to your family’s health. Drywall may need to be replaced to prevent the growth of mold behind it.
Some steps you can take to hasten drying of the dampness include opening all doors and windows and turning air conditioners and fans. You’ll need to wear boots and gloves to clean and disinfect. Even following the flooded area is dried, you will need to see it for mold development and be aware of any musty scents that develop.