The summer brings with it summer storms that can dump a large amount of rainfall in a short amount of time. Basements flood for many reasons, but the most common are a sewer drain backing up from the city connection in older homes and in newer homes a sump pump failing or being overwhelmed. Here are some tips about what to do if you have water damage in the basement:
-If you have any concern about power outlets being exposed to water do not enter the water until power is turned off or water has receded completely.
-Move items away/above the water as quickly as possible.
-Take pictures of the water damaged items, carpeting, walls etc.
-Determine if you are able to clean up the damaged area yourself or if you require professional assistance from a disaster clean up service. The service companies do charge quite a bit so expect them to use up a good portion of your sewer/water backup insurance limit if you use them. This limit can be used to pay for other things like replacing carpet, furniture, dry wall etc. Service companies will pump all water out, use fans and dehumidifiers to remove moisture, remove carpeting/furniture, expose walls, and disinfect with cleaner.
– Get written repair estimates for damages and invoices to replace carpeting and furniture. You will need to submit these to the insurance company claim adjuster.
-Report the loss to your insurance agent as soon as practicable.
-Prepare to be contacted by your insurance company’s claim department and submit invoices and photos to them. The may schedule a visit to your house by a claim adjuster.