What To Do If Your Home Suffers Water Damage From A Natural Disaster

Ruel Law Firm • October 9, 2023

One of the most common and damaging effects of a Natural Disaster (Hurricanes, Tornadoes, Floods, Tropical Storms) is water damage to homes. Whether it is from heavy rainfall, storm surges, or wind-driven rain, water can wreak havoc on your property. In this blog, we will outline essential steps homeowners should take if their home suffers water damage from a natural disaster. 

   

Safety First 


Ensure your safety first before anything else, prioritize your safety and the safety of your family. If you must evacuate, do so promptly, and follow any official instructions. If you decide to stay, be cautious of hazards like downed power lines, flooded areas, and weakened structures. Use appropriate safety gear such as gloves and boots when inspecting your property. Remember, property can always be replaced, but a human life cannot. 

   

Document Damage 


Once it is safe to do so, document the damage thoroughly. Take clear photographs and videos of all affected areas. This documentation will be crucial when dealing with insurance claims and for future reference. Make a detailed inventory of damaged items, including their approximate value. It is wise to make documentation a month prior to the start of storm season, update it regularly and keep it in a watertight container. 

   

File A Claim 


Contacting your insurance company as soon as possible to initiate the claims process is vital. Rest assured you will not be the only homeowner filing a claim. Provide them with the documentation and information about the extent of the damage. Be prepared for an adjuster to assess the damage in person. 

 

Prevention 


After reporting the claim to your insurance company, prevent additional damage by taking immediate action. If it is safe to do so, consider the following steps: 

 

  • Remove standing water: Use a wet/dry vacuum, pumps, or buckets to remove water from flooded areas.


  • Dry the affected areas: Use fans and dehumidifiers to help speed up the drying process. 


  • Remove damaged items: Get rid of soaked and damaged items that cannot be salvaged. This includes furniture, flooring, insulation, and drywall. 


  • Ventilation: Open windows and doors to allow fresh air circulation, which can help with drying. 


  • Prevent mold: Mold can start growing within 24-48 hours (about 2 days), so act quickly. Use disinfectants and mold inhibitors on affected surfaces. 

 

Consult with Professionals 


In many cases, it is wise to consult with professionals who specialize in water damage restoration. They have the expertise, equipment, and experience to effectively handle the situation. They can assess structural damage, provide drying services, and help with mold remediation. 

 

Prioritize Your Health 


It is of the highest importance to prioritize health and hygiene from floodwaters as they often contain contaminants that can pose health risks. It is essential to take precautions: 


  • Use appropriate personal protective equipment (PPE) when cleaning up. 


  • Wash your hands thoroughly after handling floodwater or contaminated items. 


  • Ensure safe food and water sources. 


  • Stay up to date with any public health advisories related to the natural disaster’s aftermath. 

 

Keep Informed 


Keep yourself informed about local conditions, emergency alerts, and updates from local authorities. This information can help you make informed decisions and stay safe during the recovery process. 


Recovery after a natural disaster can be a lengthy process. Be patient and flexible as you work through the steps required to restore your home. Understand that many others in your community may also be dealing with similar challenges, and resources may be stretched thin. 

 

In Summary 


Water damage from a natural disaster can be devastating, but taking prompt and organized action can help minimize the long-term effects. Prioritize safety, document damage, work with your insurance company, and seek professional assistance when needed. By following these steps, homeowners can gradually restore their homes and move forward on the path to recovery. 

 

Ruel Law Firm, P.A. Can Help 

 

Facing an uncooperative insurance company if you have extensive water damage can be incredibly frustrating, but it is essential to be persistent and informed. By reviewing your policy, documenting damage, communicating effectively, and seeking legal help, you can increase your chances of getting the compensation you deserve. 

 

Contact Ruel Law Firm P.A. in Lakeland Florida. Insurance companies are powerful and dealing with them can often be intimidating. Michael Ruel’s experience can help clients navigate through the complex myriad of paperwork insurance companies throw at homeowners.


You do not have to face it alone. 

   

Ruel Law Firm, P.A. 

200 Lake Morton Dr, Suite 400, Lakeland, Florida 33801   

(833) 783-5529 

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