There is a lot of flooding happening in Western PA. For many, the first and only thought once the water is going down is “What do I do?” The second thought may be “Do I have insurance for this?”
For some of you, there may be good news. Many insurance companies will cover a loss if the source of water is sewer lateral problems. That occurred in a previous home I owned. Un-Flood-It of Tarentum Pa did the cleanup and by working with my homeowner insurance company, the loss was covered by insurance.
Click Here to Download PDF of my article about that cleanup
Other policies may cover if the damage happens if it is the result of another contributing reason that is covered by the policy. Policies that have mold exclusions or limits often have provisions to cover mold IF the cause of the mold is an event that IS a covered loss. An example of that is if mold is a consequence of a burst pipe...or flooding from a lateral sewer line. The bottom line on this is that reading a homeowners insurance policy from from to end may be a tedious and boring exercise, but may gain you information that gets you insurance coverage.
What is next after the flood and heartache
Let’s summarize this subject of flooding with a collective “YUK”! There are not many events in home ownership that are more disgusting and heartbreaking than any flooding. In addition to sewage backing up from your drain, almost all flood water has sewage from the main sewer system in it.
Whether you have insurance coverage or not, taking the correct steps as promptly as possible will minimize the heartache and expense. Saving your contents, valuables pictures and other keepsakes is a major part of that effort. When there is a major area wide flooding event like we now, finding a professional to help may be difficult if not impossible. To help with that, there are Envirospect.com article links below for help: Click on the links below:
Homeowner Guide to Flood Recovery in Your Home
Cleaning Contents in Your Home
6 Top Questions about Mold Cleanup.pdf
Getting a Home Healthy after a Sewage Contamination
Imagine picking up the flood water soaked baby blanket, your parents wedding picture or the family bible. The question of what to do with possessions, furnishing and contents is important to the financial and emotional recovery after a flood water or mold disaster. When talking about items that have a sentimental value, the understanding of “what to clean or throw out” can also a deeply emotional question.
The short story is if it has porous surfaces and is already moldy or was under flood water, it will probably need thrown away. This includes cardboard, carpet, padding, stuffed animals and upholstered furnishings. Mattresses and box springs are on that list.
Food items that have been in contact with mold or flood water should be thrown away.
Materials that have a solid surface such as plastic, glass or metal are easily cleaned and preserved. Soap and water is the simplest cleaning method. A mixture of ½ cup of Clorox to a gallon of water is a great way to disinfect the hard surfaced materials. Do not use a higher concentration of Clorox as it can result in injury to people, pets and the items the mixture contacts.
Fabric clothing is readily saved by washing in regular laundry detergent unless the fabric has been damaged. The sooner the material is cleaned, the less chance of irreversible damage to material. Mold and flood contaminants will clean out of cloth material, but damaged clothing is not restored to its original condition by washing. Leather is difficult to properly clean and should be handled by a cleaning professional as soon as possible.
The paper and cloth materials that did not get wet or damp and do not have visible mold or damaged may be preserved by simply HEPA vacuuming.
Larger appliances that have some mold exposure but have not been under water may be saved with cleaning. The exception can be the electronic systems of appliances that can be damaged by moisture or mold. Consult a professional about these items. As an example, a hard drive may be removed from a computer and salvaged, but the drive could be damaged if it is powered on while in a computer with damaged circuitry.
Food preparation appliances that have been exposed to flood water or mold will probably need replaced. The cost of cleaning some of these items will often exceed the cost of replacement. Failure to clean these can result in recontamination of the home or illness to residents.
Forced air furnaces can distribute mold, flood water disease and bacteria through an entire home. These need professionally addressed as serious health problems can be caused by airborne biological contaminants
Any handling of contaminated materials should be done with personal protective equipment such as gloves, eye protection and masks. Some contaminants can enter through the eyes and skin, especially if there is an open cut or wound. Use proper protective equipment as appropriate for the conditions.
There are some building materials used in the construction that, in all circumstances, will require replacement as opposed to cleaning. Fiberboard ductwork is one such example. Insulation is another common example.
In Summary
To minimize loss, begin the effort to protect your home and possessions as soon as it can be done safely. If attempting the work, yourself, learn about safe methods and follow proper safety precautions.
Consider consulting a professional for work beyond your comfort zone or background. Good health is priceless and improper handling of contaminated materials can result is serious health problems. Proper remediation cleaning may also protect materials from requiring replacement and save more money than the cost of the services.
Go to www.Envirospect.info for more links and additional information about Sick Building Syndrome and its effects on your health. To download a PDF copy our Article “The Top 6 Questions After Flooding”, go to: http://goo.gl/vMIU9s
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