For over six years, Neptune Flood has been a trusted resource for information and assistance during flooding events across the US and the Caribbean. As soon as a hurricane or flood hits your area, it’s best to keep you and your family safe. This guide will provide you with 14 things to do during the days, weeks, and months after a significant flooding event.
1. Keep Off Power Lines
It is common for downed power lines to be present during and after a flood. If you see a downed line, do not approach it, or go near it. It is hazardous to come into contact with these power lines. Contact your local utility company so they can send a crew to de-energize and remove the line.
2. Exercise Caution Near Destroyed Buildings
If a nearby home or business has been flooded, it is essential to be aware of the potential threat of structural damage. Do not enter a building that floodwaters have damaged until it has been inspected by a qualified professional and determined to be safe. Otherwise, you may risk getting the building collapsing over you, especially if a hurricane or flood has severely compromised the structure.
3. Seek Medical Attention if You Have an Injury
It is also essential to seek medical attention if you or your family members have any injuries. Ensure you watch for signs of injury in children. They may not complain of pain or may not be able to communicate what happened to them, but a change of behavior may call for medical attention. If you have a cut, it may be contaminated with harmful bacteria that can cause an infection and thus the need to visit a medical facility.
If the flooding has severely damaged your home, you may need to evacuate. This is usually only necessary if your home is in danger of collapsing or if the floodwaters are still present. If you need to evacuate, be sure to take all essential items with you, including any medications you or your family members may need if they are still accessible. Nevertheless, if these items have been carried away in floods, contents coverage from Neptune Flood may reimburse you.
5. Carry Important Documentations
Neptune recommends taking any crucial documents with you as well. These may include birth certificates, passports, and insurance information. If possible, make copies of these documents before you leave so that you have them in case they are lost or damaged during the evacuation. These documents, such as insurance documents, will be needed when you begin to claim your flood insurance compensation.
6. Assess the Damage to Your Home
After you have taken care of any immediate medical needs and safety, it is vital to assess the damage to your home ONLY if it is safe to enter the property. This will give you a better idea of what repairs need to be made and how much money you will need to complete them. It is important to take pictures or videos of the damage to show the adjuster, but only if it is safe for you to do so. If you can’t assess the damage safely, wait for an adjuster to do so.
7. Create a List of Damaged Items
As you assess the damage to your home, create a list of all damaged items. This will include anything that was destroyed or damaged by the flooding. Be sure to include the model and the serial number of any ruined electronics, making it easier to replace them. Set the damaged items aside; do not dispose of them. Neptune Flood recommends taking pictures and videos of the damage as well. This will give you a visual record to help with your claim. If possible, keep receipts for these items as well.
8. Remove Extremely Damaged Items from Your Home
In the instance that some of your belongings were entirely ruined by the flooding, it is vital to remove them from your home as soon as possible. Set the damaged items aside; do not dispose of them unless they are a health hazard. Neptune Flood recommends taking pictures or videos of these items before you remove them to have detailed documentation for your insurance claim.
9. File an Insurance Claim
If you have flood insurance, the next step is to file a claim. An adjuster will work with you to help document the damage and begin the claims process. It is vital to keep all receipts and documentation from this process as they will be needed later. In a large storm, there may be many properties that need assistance. Adjuster work as quickly as possible to visit your home to assess the damage and report back to the insurance company to complete the claim.
10. Begin the Cleanup Process
Once you have taken care of the steps above, you can only begin the cleanup if your home is in good condition and the floodwaters have receded. This will involve removing all damaged items from your home and starting the process of cleaning and repairing what was ruined. Thorough cleaning will help to prevent any further damage and make repairs easier. Neptune also suggests working with a professional cleaning company to do this for you. This will ensure that the job is done correctly and help to prevent any further damage.
11. Disinfect Your Home
After cleaning your home, it is essential to disinfect all affected areas. This will help prevent mold or mildew from growing and causing further damage. Neptune Flood recommends using a bleach solution to disinfect all flooded areas of your home. Be sure to follow the instructions on the bleach carefully so that you do not cause any damage to other valuables, including metallic surfaces. Also, getting a professional disinfectant company can save you from further worsening the state of your home, especially if you have no expert knowledge of the use of chemical disinfectants.
12. Aerate Your Premises
Once you have cleaned and disinfected your home, it is essential to ventilate all affected areas. This will help to prevent any mold or mildew from growing. Neptune Flood recommends opening all doors and windows in your home to allow proper ventilation. You may also want to use fans to help circulate the air. If possible, set up a dehumidifier in your home as well. This will help remove any excess moisture from the air and prevent further damage.
13. Prevent Future Damage
After you have taken care of the immediate damage, it is important to take steps to prevent any future damage. By taking these steps, you can help prevent any further damage to your home and be prepared in case of another flood. That said, Neptune Flood recommends taking the following steps:
- Install a sump pump in your basement to help remove any excess water if necessary.
- Make sure that your gutters and downspouts are clear to drain properly.
- Regularly check for any leaks in your home and repair them as soon as possible.
- Keep an emergency kit at hand in case of another flood. This should include a flashlight, batteries, a first aid kit, and non-perishable food. Check out our blog on disaster preparedness if you need a full list of items.
14. Always Stay Informed
Once you are in a safe place, you must stay informed about the situation. This can be done by listening to the local news, social media, or radio broadcast.
Neptune Flood is Here for You
If you are still uncertain of whether to choose Neptune Flood, here are five reasons why they are the best choice:
1. Take Advantage of Comprehensive Coverage
We understand that your home or business is one of your most valuable assets. Neptune offers comprehensive coverage that includes both the building and contents insurance. This way, you can ensure that all your belongings are protected in case of flooding. Neptune Flood also offers optional extras such as cover for loss of rental income and temporary living expenses.
2. Work with Professionals
Being in business since 2016, Neptune has a team of experienced professionals who understand the ins and outs of flood insurance. We work with you to tailor a policy that meets your specific needs and budget.
3. Enjoy Affordable Rates
We understand that not everyone can afford to pay high insurance premiums. That’s why we offer competitive rates designed to be affordable for all budgets.
4. Benefit from Timely Response
In the event of a flood, you can count on Neptune to be there for you. We offer a 24-hour emergency helpline to get the help you need when you need it most. Neptune Flood processes claim as fast as possible to help you get started after the flooding.
5. Neptune Flood Is Trusted and Reputable Insurance
Finally, we are the leading private flood insurance provider in the US and have been helping homeowners since 2016. Let Neptune waterproof your life and rest assured they have your back.
If you are looking for the best possible flood insurance company to help you quickly recover after a hurricane or flood, Neptune Flood is the right choice for you. We offer comprehensive cover at an affordable price so that you can be sure your home and belongings are protected. Contact Neptune Flood today to learn more about how we can help you after a flood or a hurricane!