There are essentially two types of flood damage that can occur within a residential home. The first is the more common type, and it is caused by a pipe bursting. The second is damage caused by a flood or hurricane that came through your town. Either way, you want to seek out flood damage restoration as soon as possible, and that requires a few steps.
As soon as you realize your home has been flooded, you need to call your insurance agency. Different policies need to be taken out for each type of flooding. Flooding as a result of a pipe is covered by most types of homeowners’ insurance, but a separate policy generally needs to be taken out for flooding as a result from a hurricane. However, if you live in a part of the country that is not prone to heavy rains, then you may be able to go without it.
Your insurance agent will likely give you advice on what to do concerning your flood damage policy. You will probably be told to take pictures of the damage to show exactly how much flooding occurred. You may also need to make an itemized list of everything that was affected. Some insurance policies will only cover damage repairs that need to be done to the house itself, but others can cover personal belongings.
After you have spoken with an insurance agent, you want to call a contractor to fix this damage. If you wait a while before calling a professional, then there is a significant risk mold could develop. Mold leads to various respiratory problems, so you want to prevent it from growing if possible. It is dangerous to handle items affected by flood water on your own, particularly electronics. Leave this work to the experts who know how to be safe.
Most importantly, you need to act fast when it comes to flood damage restoration. The longer you wait, the more you are going to be inconvenienced.