· Although you may be anxious to get things back to normal, avoid letting your emotions get the better of you. Don't be pressured into making an immediate decision with a long term impact. Be pro-active in selecting a business and not reactive to door-to-door sales tactics.
· Turn off the electricity at the breaker. Turn off gas valves as well if appliances such as water heaters and dryers are also in danger of sitting in water.
· Once the rain has stopped, lower the humidity by opening windows, running dehumidifiers, using fans, and desiccants (materials that absorb moisture). Open up cabinets and closets so they have air circulation.
· Keep records of any damage. Take pictures and video before and during your clean up so you will have thorough documentation to provide the insurance company. This will be necessary for insurance claims, applications for disaster assistance, or income tax deductions.
· Losses caused by flooding, sewer backup, or sump pump failures may not covered by standard homeowner’s, renter’s, or condo insurance. If you find you are not covered, discuss purchasing flood insurance with your agent to cover costs for future damage.
· Flood damage to your car or truck would be typically covered by auto insurance if you have comprehensive coverage.
· Find and keep your receipts for damaged items and check with your insurance company about policy coverage and specific filing requirements. Save all receipts, including those for food, temporary lodging, or other expenses that may be covered under your policy.
· Be cautious of storm chasers who canvas neighborhoods following widespread flooding or other damage. If they claim to be doing work for your neighbors, verify with your neighbor before signing any contracts. Ask if the business has its own crew or uses subcontractors and, if so, the names of the subcontractors.
· For major repairs, get at least three estimates. Ask for customer references whom you can contact. Make sure the contractor has any required licensing/registration to do work in your community. Try the BBB’s