The purpose of this Bulletin is to provide you with information that will be helpful as you plan to visit your cottages/residences for first time this year. Obviously, KAPOA isn’t in a position to provide “dwelling-specific” information, but following is information gleaned from various North American websites, on of things that you should be especially aware of, for health and safety reasons. Any references to “your insurance company,” are at your discretion.
Whether a flood is caused by ground water, falling water, or home water-system malfunction, there are some best practices you’ll need to employ within the first 24 hours after the flood to ensure the safety of your home and family and give you the best outcome possible with your insurance company.
Protect Your Health
Even if the water in your home is clear, it could be contaminated by sewage/septic tank or household chemicals. Recommended, also, is the wearing of waders, hip- or waist-high waterproof boots. In addition, wear rubber gloves to remove water-damaged possessions and to avoid contaminants. Be sure to throw out any food that may have come into contact with flood waters. It’s recommended that you boil your drinking water until you get the results s of your water testing from the local authorities. Note: our local (KAPOA-area) authorities have recommended stocking up on clean water until you can have your water quality tested, which you should do as soon as possible.
Avoid Additional Risks
If the flood was serious enough for you to leave your home, be sure you stay safe upon your return. You should check for any visible structural damage, such as warping, loosened or cracked foundation elements, cracks, and holes before entering the home and contact utility companies if you suspect damage to water, gas, electric, and sewer lines.
In addition, it’s important to have a working flashlight and turn off all water and electrical sources within the home, says Dr. Maurice A. Ramirez, author of “The Complete Idiot’s Guide to Disaster Preparedness.” Even if the power isn’t operational, it’s a good idea to go to your fuse box and turn off the main, plus all of the individual fuse connections. That way, if the power is reactivated, you’re not at risk of electric shock when mixing standing water and electricity.
Before you remove any water or make any repairs, fully document the damage for your insurer by taking photos or video. Digital versions are best, says Ramirez, because they can be stored electronically and easily copied. If you start removing water or making repairs before you photograph the damage, you could potentially decrease the extent of your coverage, he says. Since you should notify your insurer as soon as possible after the flood, it’s a good idea to keep your insurance company and local agent’s phone number in your always-ready emergency bag. (Note that the NFIP works through private insurance companies, so you contact your insurer just as you would for any other type of claim).
Call Your Insurance Company
In cases where a flood has affected a region or community, your agent may be busy handling his or her own flood issues. In that case, contact the insurance company’s headquarters.
Since groundwater flood damage typically isn’t covered by conventional homeowners’ insurance policies, you’ll need to work with your insurer to determine the cause of the flood and the extent of your coverage.
Advise your insurance representative of the state of your home and any repairs you intend to do immediately. Be sure to follow the insurance company’s direction about whether or not to wait for an adjuster to inspect the property before making repairs, says Ramirez. Document the damage and conversations at every stage of the process.
What can you expect in terms of time to get back to normal? It could be as little as one week if the claim and cleanup is minimal to five to six months if you’re working with an insurance adjustor and contractor to complete extensive repairs.
Once you get the OK from your insurer to remove the water, use a sump pump, available from most hardware or home supply stores for $150 to $500, and a wet vacuum ($40 to $130). Ramirez cautions that water is heavy(a cubic foot weighs 62.5 lbs.), so be careful not to injure yourself, especially if you’re carrying buckets of water up and down stairs. Open doors and windows to allow fresh air to circulate, so long as that won’t let in more water.
Mitigate Mold Damage – It’s nothing to sneeze at!
Mold can develop within 24 to 48 hours of a flood and it’s definitely a health risk, so remove wet contents, including carpeting and bedding, as soon as possible., not good for If an item has been wet for less than 48 hours, it may be salvageable. However, you’ll need to decide whether it holds enough monetary or sentimental value to try to do so. And notify your insurance company before removing items to ensure that you’re not affecting coverage. Always photograph the flood-soaked items.
Rugs, for example, can be dried and then cleaned professionally, which could cost $100 to $500 or more, depending on the size and number. Large pieces of furniture that are saturated will likely be difficult to dry effectively, and should often be discarded.
Mold growth can be controlled on surfaces by cleaning with a non-ammonia detergent or pine oil cleaner and disinfecting with a 10% bleach solution. (Caution: Never mix ammonia and bleach products, as the resulting fumes can be highly toxic.) Always test this solution on a small area of the item or area you’re cleaning to be sure it doesn’t cause staining or fading.
Take photographs before removing wet wallboards and baseboards because insurers will want to see the height of any water damage to walls. Carefully poke holes at floor level in the drywall to allow water trapped behind it to escape.
Secure the Property
As the homeowner, it’s your responsibility to secure the property so that no additional damage occurs. Put boards over broken windows and secure a tarp as protection if the roof has been damaged. Again, take photographs to prove to the insurance company that you have done everything possible to protect your home against further damage.
If the home is habitable, take precautions to keep yourself and your family safe from injury. Use flashlights to move around dark rooms, for example. If the home isn’t habitable, don’t try to stay there. Move to a shelter or alternate location. Consult your insurer to find out what provisions the company will make for temporary housing while your home is being repaired.
A GENERAL WATER SAFETY OBSERVATION (NOT FROM ANY ARTICLE)
When it’s moving fast, as it recently was, the current in our rivers can be deceptively –and dangerously– strong. At least some of the decks and boats that recently flowed downstream ”freestyle”, were the result of strong people underestimating the infinitely stronger power of hundreds of cubic meters of water pushing against objects that present an “obstacle” to that current; if you doubt that power, witness the destruction of the banks of the Madawaska in the vicinity of The Pine cliff Resort. As if the current itself were not hazardous enough, the extremely cold water seriously magnifies the probability of a “negative bad outcome”.
For information from the Province, see www.Ontario.ca/Disaster Assistance or call 1-844-780-8925