The majority of people who are concerned with protecting their family from flooding damage should focus on finding the right flood insurance plan. In some cases, however, flood insurance is unnecessary if the flooding damage to your home is not due to overflowing water. It can, however, save you a great deal of money when it comes to emergency clean up costs. The following will help you determine whether or not you need to obtain flood insurance to protect your possessions and investment.
While a wide variety of activities have to occur before your home can be considered completely safe to reside in, the cleaning process is pretty simple. All you have to do is dampen all non-flammable, non-porous materials, such as tablecloth, dinnerware, plastic, and tablecloths, with a bit of bleach water and then soak them in a solution of just 2 tablespoons of bleach per pint of water. This will quickly take care of any visible damage caused by flooding, including mold growth, soiling and discoloration. When you take photos of the damage, keep in mind that mold tends to stay behind and water can easily lift it.
Flood Cleanup: There are a number of different types of flood cleanup that you can perform, depending upon the type of flooding you suffered. One of the most common forms of this type of cleanup is dry cleaning, which consists of wiping down surfaces that were damaged by the flooding water with a clean moist cloth, followed by a protective chemical treatment. Dry cleaning is recommended for any materials that contain adhesive, as the chemicals used to remove the adhesive will allow for the adhesion to come off in the future. If there are structural damages to your home, such as buckling columns, your insurance provider may also recommend dry cleaning as a way to remediate any hazardous conditions that may exist.
Structural Damage Cleanup: If your home has structural damage due to flooding, your insurance provider will likely require that you clean the structure before they will issue you a policy. If there are physical damages to the building caused by the flooding, this will be done in a similar manner to the clean up method described above. You should not be required to pay for the cost of cleaning up the structure, but if your home was worth more than the structure itself, you will probably be expected to foot the bill. Depending on the seriousness of the flooding, you may find yourself having to replace some of your belongings. If there is any water left in your house after the cleaning has taken place, you should ensure that you remove everything from the house, as it may have been soaked by residual water and become moldy.
Mold Remediation: If the flood cleanup did not remove all of the visible mold, you may still find yourself dealing with mild to moderate levels of mold. This is a much more serious problem and you should contact a professional mold remediation company to remove it. Mold spores are really bad for your health, because they are inhaled and can cause a wide range of respiratory problems, including bronchitis and allergies. For this reason it is vital that you get the problem treated right away.
If your flood cleanup did not include disinfecting the carpets or other porous flooring, you should have your porous floors disinfected before using bleach to clean them. Using disinfectant to clean any porous flooring will kill any remaining mold spores in the area. It is also important to note that you should only use a disinfectant that is designed for use on carpets, because some disinfectants may be too strong for other floor surfaces, including vinyl and tile. Some homeowners like to add a little bleach to their disinfectant to make the stain removal process easier, but always remember to dilute the disinfectant with water first.