Take the following steps to begin the recovery process:
Step 1) Make sure it’s safe to go back.
Before you re-enter your home, speak to your community’s local elected officials and county Emergency Manager. Be sure your electricity and gas are off prior to going inside. Give your home first aid by covering holes, reinforcing sagging floors, ceilings, or roof sections, and checking for broken or leaking pipes. Minimize the spread and growth of mold
[5.7 MB] as much as possible. Flood insurance will not cover mold damage if the policy holder fails to take action.
Step 2) Report your loss.
Contact your insurance agent or company promptly to report your loss. File a ‘Notice of Loss’ with your insurer. Ask them about advance payments related to your flood insurance. Ask your insurance provider to see if Increased Cost of Compliance
[2.4 MB] funding is available.
Step 3) Get organized.
This includes making a list of all damaged property, both for your building itself and your building’s contents. Take photos and videos of all items. Record information such as the item’s description, brand, model & serial numbers, and approximate age of the item.
Step 4) Begin cleanup.
Dry out your home by lowering its humidity. Open doors, windows, closets, and cabinets, as well as run fans and dehumidifiers. Any surface touched by floodwaters needs to be removed and/or properly cleaned. Floodwaters are dirty and can often carry things such as hazardous chemicals, human waste, or other contaminants, so proper protective gear and cleaning is critical. Be sure to protect yourself from floodwater contaminants
during cleanup. Learn more about what can be saved and what needs to be thrown out
[5.7 MB] after a flood.
Step 5) Talk to your local officials.
Don’t just build it back, build it better. Speak to your local floodplain coordinator and building officials to discuss the next steps toward recovery. This can include repairing your structure and taking mitigation actions to prevent future flood damages. Ask your local officials if disaster assistance or mitigation grant funding is available.