Essential steps to take when your home floods

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Published Date 11/22/2024

Because flooding events have dominated headlines this year, with Hurricane Helene causing devastation in Asheville, NC, and major flooding expected in Delaware and Philadelphia, Realtor’s Terri Williams offers thoughts on how to handle this catastrophic event.

According to the weather service, low-lying areas near shorelines and tidal waterways could experience up to one foot of water above ground level,” says Williams. “However, you don't need to live in a flood-prone area to experience water damage in your home. Burst pipes, overflowing toilets, and malfunctioning washing machines can all lead to indoor flooding. While it's impossible to prevent every disaster, knowing how to respond can make a crucial difference in protecting your property and health.”

The first crucial step when facing a flood is to don protective gear. According to Phoenix, AZ-based plumber Audrey Monell, floodwater can harbor dangerous bacteria, fecal matter, and even wildlife, making it far more hazardous than regular household water.

Before beginning any cleanup efforts, document all damage thoroughly. Contractor Craig Ricks Jr. emphasizes the importance of extensive documentation for insurance purposes. Take photographs or video footage of affected areas, but only if it's safe to enter the property. Your personal safety should always take precedence over documentation.

Water removal and ventilation are next on the priority list. While major floods typically require professional restoration services, especially when dealing with contaminated water from sinks or sewers, homeowners can take immediate action using wet-dry vacuums. After cleanup, use fans, dehumidifiers, and desiccants while keeping windows open to prevent moisture-related damage.

Electrical safety is paramount during flooding. Experts warn against touching any electrical components or appliances until confirming the power is off to avoid electrocution risk.

Contacting your insurance provider should be done as soon as possible. Insurance underwriter Stefan Tirschler explains that an assigned adjuster will help quantify damage, confirm coverage, and identify appropriate contractors for repairs. Keep all receipts for emergency expenses, as these might be covered by your policy.

Insurance coverage for flooding varies significantly between policies. Some include flood coverage by default, while others offer it as an optional addition. In cases of extensive damage requiring temporary relocation, some policies may even cover additional living expenses such as hotel stays and clothing care.

Remember that while flood damage can be overwhelming, taking systematic action and maintaining proper documentation can help ensure the best possible outcome for both your property and insurance claim.

Realtor,TBWS

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All information furnished has been forwarded to you and is provided by thetbwsgroup only for informational purposes. Forecasting shall be considered as events which may be expected but not guaranteed. Neither the forwarding party and/or company nor thetbwsgroup assume any responsibility to any person who relies on information or forecasting contained in this report and disclaims all liability in respect to decisions or actions, or lack thereof based on any or all of the contents of this report.

Darren Orshoff is a Marketing and Real Estate professional, licensed Realtor with the California Department of Real Estate DRE#01803671 with WSR Real Estate DRE#01977642.  Darren is also a Certified Mortgage Planner, A Certified Financial Literacy Coach, A Dave Ramsey Trained Financial Coach, A Certified Mortgage Advisor, and while Darren is licensed by the NMLS, he is not originating loans but refers lending transactions to Golden Empire Mortgage, Inc. ("GEM") [NMLS ID No. 2427] licensed by the Department of Financial Protection and Innovation pursuant to the California Residential Mortgage Lending Act, for which he represents as the Corporate Marketing Coordinator.

Darren Orshoff

Realtor, Marketing Guru, Sushi Lover, Dad, Ham

License: CalDRE#01803671

The Key To Your Home!™ at WSR

6736 Palm Avenue, Riverside CA

Office: 951-468-8326

Cell: 951-323-2119

Email: darren@darrenorshoff.com

Web: http://sellriverside.com