The first thing you should do to get all this started is to contact your insurance agent, and if he is not available for some reason, call The National Flood Insurance Program. You will then be assigned an adjuster. You will not be reimbursed for any items not authorized by the adjuster. Don’t be surprised when the adjuster is from another part of the country, as they travel all over the country to help with disasters. They receive a flat salary on a per case basis, so there is no reason for them to give you a small claim payment. Do get their name, phone number, and e-mail because you will need to be in touch with them with questions and responses. We found ours to be helpful in guiding us through this. After looking at your damages, he will be able to estimate what he can allow you up front, so ask for an advance or partial payment for contents and structural loss. Then you will not be given any more funding until you have all your proof of loss turned in and he determines how much will be allowed for structural damage. You can get another draw after some of the repair is done and you request an inspector to come and report back to NFIP. This inspector is a different person than the adjustor that was sent to appraise.
Another major expense will be the clean up, and there are many around to take advantage of you here, so check them out thoroughly. It is best to ask around about this before you are desperate and vulnerable and willing to just take whoever can come out. You may have an uninhabitable, muddy mess that perhaps even needs to first have nasty water pumped out. The sheetrock will need to be pulled out at the two or four foot mark, depending on how high the water got. These heights are used because the size of the sheetrock is 4’ X 8’, so it makes for less waste. Insulation needs to be removed from all exterior walls. All walls, floors, and everything that got wet need to be completely dried out and sprayed with disinfectant. Switches and outlets that were wet need to be replaced. You may want to look into services like POD or SAM that provide on-site storage for your items while you are repairing the structure; they can often be less expense than moving and storage.
Let’s back up to when you stepped out of bed into water. Hopefully, you resisted the urge to switch on the lights to see what was happening. Standing water may be electrically charged, so turn off the electricity at the main breaker or fuse box, even if the power is off in your area, and don’t turn it back on until your structure is dried out. To turn off the breaker box, stand on a dry spot and use a dry wooden stick or pole to open the door and push the main breaker to off. Then turn each circuit breaker off. Also, turn the gas off; for this you will need pliers or a wrench, so know where they are. To make sure you have it turned off, you can check the meter after a few minutes. Of course, you need to report any downed power lines or gas leaks immediately.
Many published lists of suggested supplies are available for hurricane preparations. In addition, you may want to consider purchasing a portable gasoline generator or a natural gas generator that can be assigned to however much you want to power in an outage and can be permanently mounted outside. Make a list of what would be necessary to power, and an electrician can tell you what size generator you would need and set it up for you. These come on periodically for a routine check throughout the year and are ready in case of any power outage. With the smaller, portable gasoline generators, always keep them outside and have several safe gas cans that have a good spout and closure to transport the fuel you will need. Large cans are great to save trips to the gas station, but a smaller one is easier to use to fill the generator.
Unlike the warnings you receive for an approaching hurricane, you may not have any warning of a flood; but in either case you will need to have a response plan ready. It is much less stressful to make a plan in advance. Have those personal property records already prepared, and keep photocopies of inventory, insurance policies, deeds, and other valuable papers in a different location. Have the phone numbers you will need with you, such as your insurance agent’s number, or in the case of floods caused by rain, FEMA’s contact information. Also, have your computer unplugged, backed up, and out of the range of flooding. Make sure you know which reputable disaster recovery companies to contact before the catastrophe strikes — don’t wait until it’s too late. Ensure that they have fans and dehumidifiers, and if not, make sure to have the contact information of companies that can provide them.
Businesses particularly need a disaster recovery plan. Not only do the computers need to be shut down, unplugged, and covered in case water comes not just from flooding but possibly from above, they also need to have off-site storage/backup. You may even need recovery server hosting. The use of cloud-based software is becoming increasingly popular with small businesses from retailers to restaurants, so business owners and employees can access important information wherever they go. This allows you to conduct business at a different location if your in-house data center is offline. These cloud-based applications include Freshbooks and Zendesk, which eliminate problems such as power requirements and physical barriers, keeping your data safe, stored and accessible from any device.
At the very least, even with a small business, have an employee plan so they know what to do, who to contact, and everyone’s number of where they might be reached. We thought we were prepared, but when our computers were down for so long, we had not thought to print out the immediate appointments or numbers of our clients and vendors. Since our phones were out, we had to forward calls to our cell phones. Have a remote operation plan.
Being prepared can make your misfortune a lot more bearable. It can save you a lot of money and get you back to normal faster.
Other recovery items of interest:
Solid wood furniture can usually be repaired and cleaned, but wood veneer often separates and warps. Particle board and plywood fall apart if wet for very long.
Wood alcohol or turpentine applied with a cotton ball may remove white mildew spots on wood.
Cream wood restorers with lanolin will help restore good wooden furniture.
Upholstered furniture soaked by floodwaters should probably be thrown out unless it is very valuable or an antique.
Clean and disinfect dishwashers, washing machines, and dryers only with water safe for drinking and only if the sewer line is working.
Throw out any food touched by floodwaters – even canned food, and do not keep food in bottles or jars with caps or screw on lids.
Valuable papers, books, and photographs can be restored with a lot of effort. Rinse and freeze them in a frost free freezer or commercial locker until you have time to work on them. Dry them quickly with a blow dryer when you thaw them, and don’t try to force paper products apart – just keep drying them. Photocopy soon because they may deteriorate.
If a computer disk has valuable information, rinse it in clear water and put it in a plastic bag in the refrigerator. Later on you can take it to a drying center and have the data transferred. Many companies that restore computers and computer records are members of the Disaster Recovery Institute.
Things look dry on the outside long before they dry on the inside. A way to test is to apply a piece of clear plastic with all edges sealed with taped. Check it 24 hrs later to see if there are beads of condensation. Do not paint, lay carpet or flooring until completely dry.
Photograph your rooms to document any damages.