As the fall equinox quickly approaches, North Carolina weather patterns can change with little to no warning, which is why being prepared for the unexpected is essential. The tropical storm season continues until November 30. Continue reading to learn what to do in the event your home floods.
Does Insurance Cover Floods?
In 2017, according to the Insurance Information Institute (III), water damage and freezing accounted for 19.5% of all homeowner insurance losses. That “loss category … includes damage caused by mold.”
However, most home and renter policies do not cover flooding resulting from natural causes, so reviewing your coverage is ideal.
Weather-related flooding is one such catastrophe that standard policies exclude. “Flood coverage is available in the form of a separate policy both from the National Flood Insurance Program and from some private insurers” though (III).
“The National Flood Insurance Program aims to reduce the impact of flooding … by providing affordable insurance to property owners, renters, and businesses” (FEMA).
Mitigating Flood Damage
Whether your home floods as a result of internal reasons, like a pipe bursting, or severe weather, there are a few things you need to do to ensure the safety of your family. First, if you can access the fuse box without walking through water, turn off the power to your home. If you cannot reach this safely, you need to call an electrician.
Secondly, make sure to evacuate the premises and find a safe, dry spot. Also, make sure that everyone from family and friends to your pets are safe. Next, call for help if anyone needs medical attention, and then call your insurer about the flood damage.
Make sure that you document everything before you begin cleaning up the damage. Use your phone to do so, but make sure to suit up with protective gear like waders and waterproof boots. Moreover, make sure not to touch the water in case there is any sewage or hazardous materials.
Lastly, you will want to start cleaning up and preventing mold damage. You will need to remove the water, salvage whatever personal items that you can, dry the space out, and disinfect any areas and objects the water touched.
Mold is a huge problem after flooding, especially toxic mold or black mold. To prevent the spread of mold, keep the affected area as dry as possible, and treat with a strong cleaning solution. If you cannot get ahead of the mold or you are concerned about your health, then call a mold remediation company.
Hire a Mold Remediation Professional
Hiring a mold remediation expert is your best defense against this substantial problem. An experienced team will conduct a thorough inspection before beginning any work. Remember that finding the underlying issue is key to effectively remedying it. After donning full protective gear, the techs will diligently work to remove the problem, at its source.
Home Services North Carolina is a leading provider of air duct cleaning, mold remediation, crawl space encapsulation, dryer vent cleaning, and attic radiant barriers in North Carolina. Our services are aimed at helping you create a healthy living environment inside your home. For a free five-point healthy home inspection, contact us Monday through Saturday, from 8:00 AM to 5:00 PM at (919) 872-9088.