Courtesy of iii.org Cleaning up after a flood can pose health risks. You and your family should wait to re-enter your home until professionals tell you it is safe, with no structural, electrical or other hazards. Before you start cleanup activities, contact your insurance company and take pictures of the home and your belongings. Remember, drying your home and removing water-damaged items is your most important step for preventing mold damage. If your house has been flooded and you were not able to dry your home (including furniture and other items) within 24 48 hours, you should assume you have mold growth. You may see or smell mold on clothing, drywall, furniture, cardboard boxes, or books, but it may also be hidden under or behind items like carpet, cushions, or walls. Exposure to mold can lead to asthma attacks, eye and skin irritation, and allergic reactions. It can lead to severe infections in people with weakened immune systems, so it is important to ensure the …
Flood Insurance
Insurance Claims and Irma FAQ
Courtesy of iii.org In the aftermath of Hurricane Harvey and Hurricane Irma, policyholders may have questions about how insurance works following a natural disaster. Here are some answers to many of these common questions. Q. Are flood losses covered under my homeowners insurance policy? A. Standard homeowners and renters insurance policies do not cover flood damage, including damage from a storm surge. Flood coverage requires a separate policy from the federal government’s National Flood Insurance Program (NFIP), or from some private insurance companies. More information about flood insurance. Q. Is property damage from a storm surge considered flood damage? A. Yes, it isand, therefore, storm surge is covered by your flood insurance policy. A standard homeowners insurance policy does not cover damage from floods, such as flooding from a storm surge. Q. What is the “official” definition of a flood? If there is only water on my property in my …