Steve McManus - Insurance Contributor
09 October 2024, 4:00 PM
Flood water can cause severe damage to your home, personal belongings, and indoor environment.
Even just an inch of water can ruin carpeting, wallboard, appliances, and furniture.
More extensive flooding can impact expensive systems like heating, air conditioning, roofing, sewage systems, utilities and foundations.
Cleaning up after a flood is a time-consuming and difficult task, but following these essential steps will help you sanitise and restore your home effectively.
Floodwaters often contain harmful contaminants such as sewage, chemicals, and sharp objects.
Always wear appropriate PPE, such as heavy-duty waterproof gloves, boots, and face masks, when handling flooded areas and items.
Before you start cleaning, it's important to document the damage.
Take clear photos of water-damaged carpets, furniture, and belongings.
If you're moving items outside, cover them with plastic to protect them until a loss adjuster can inspect them.
Flood water can contain many contaminants and lots of mud. Shovel out as much mud as possible from hard surfaces.
Then, use a garden sprayer or hose to wash away the remaining mud.
Once again always wear protective gear, including gloves, masks, and gumboots, when dealing with contaminated items.
Whether or not you can save the carpet depends on the type of water and the extent of the damage:
However, if only a small area (approximately one square metre) is wet, there may be a chance to salvage the carpet. In this case, roll up the carpet and leave it outside for collection, while placing smaller items in bin liners.
Remember to cut out a sample of the carpet and underlay, seal it in a bag, and keep it for the Loss Adjuster’s inspection.
After removing any water and debris, begin cleaning and disinfecting all surfaces. If appropriate, hose out the floors and spray diluted bleach onto concrete or wooden surfaces, especially around skirting boards.
For furniture and painted surfaces, any standard household cleaning spray can be used.
For all areas:
If your insurance covers flood damage, contact your broker immediately. They will arrange for a loss adjuster to inspect the property.
While you clean, continue to document everything with photos and videos, as these records will be essential for insurance claims, disaster assistance applications, and tax deductions.
By following these steps and keeping in close contact with your insurance broker, you can ensure a more efficient and thorough cleanup process after a flood.