Flood Waters – What Can You Do?

December 12, 2023 Uncategorized

Flood Waters – What Can You Do?


Article by David Selter

In times of widespread flooding, many property owners face challenges due to the high demand for water damage contractors and often impassable roads. Here are measures you can take while awaiting water damage services:

  1. Open kitchen and bathroom cabinet doors, remove all items, and keep the doors open for air circulation. Also, take out drawers and place them separately to dry.
  2. If possible, remove water-soaked porous items like carpets, padding, furniture, baseboards, and the lower parts of cabinets.
  3. Ensure air flow throughout the property by opening internal doors, including those of closets and rooms.
  4. Use the building’s HVAC system to help manage indoor conditions, and keep doors and windows shut when outside humidity is high.
  5. Avoid setting the air conditioning too low, as warmer air can hold more moisture.

Flood Waters – General Information

The National Flood Insurance Program (NFIP) or Standard Flood Insurance Program (SFIP) operates differently from state-regulated insurance. This federal program issues a single payment for the building, without providing individual payments to contractors.

Key Points About Your Flood Policy

  • Content coverage is separate and must be bought additionally.
  • The policy is not valued-based; it only covers up to the policy’s limit.
  • It does not guarantee replacement costs.

If your flood policy doesn’t include specific content coverage, any expenses incurred in moving or covering contents to remove contaminated materials will be out-of-pocket.

Without flood insurance, but in a federally declared disaster area, you may qualify for Federal Aid, including grants. Apply at disasterassistance.gov or call 800-621-3362.

Review the NFIP Fact Sheet to fully understand the benefits of your coverage and know your rights, even after submitting the Proof of Loss.

Category 3 Water Loss Flood waters often carry various contaminants, categorized as a Category 3 water loss. This is the most severe classification, indicating highly unsanitary conditions that can lead to serious illness or death if ingested. Previously referred to as black water, such floods typically originate from rivers or streams. Our services include the removal of building materials contaminated by Category 3 water, charged at reasonable and customary rates.

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