Avoiding Injuries While Swimming

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Sep 12, 2017

1. Ensure physical safety – everything else can be replaced – you can’t

2. You are in a marathon now, not a sprint – everything will take much, much longer than you want it to. You will be dealing with the federal government (national flood) and they move at their own pace

3. Take pictures – lots of pictures. Establish how high the water was inside and outside of your house. You need to prove how deep the water was as part of your flood claim. Use a yardstick or ruler on the outside of your house to establish the high-water mark.

4. File your claim immediately – get in line for adjustors, etc.

5. Flood insurance will not reimburse you for loss of use, so any hotel or lodging expenses will be out of pocket

6. Save all receipts – all of them

7. Order a POD or storage container as they will sell out fast

8. As soon as the water recedes, start mitigating the damage. Shopvac out what water you can, remove the wet carpets, remove the baseboards and start removing wet sheetrock. Cut a line about 2 feet up the wall. The straighter you cut, the easier the rebuild will be.

9. Take pictures of any damage you see, wet sheetrock, wet carpet, wet furniture, anything you want to claim – document. For contents, document individual items – each shirt, book, etc. needs to be enumerated and documented for the claim – if you say 20 books on your claim, you need a photograph where 20 books can be individually accounted for – be exact and over detailed

10. Plastic storage tubs work better than cardboard boxes for storage of your undamaged stuff

11. Be nice to the adjustor – he or she will be valuing your loss and establishing the rebuild – every dollar counts, so be a pleasant memory for the adjustor, rather than “that” person

12. Whichever insurance company you have, all flood claims go through the federal government, all money comes through FEMA, so the time between the adjustor visiting your house and you getting money takes weeks/months – be patient – it is challenging and horrible waiting, but you are dealing with the government and all the other claims that are in flight as well.

13. Your first estimate will likely be less than you expect, so work with your contractor to file a supplement for things that were missed. Be wary of working with 3rd party arbitrators as they will take a %age of your total claim, not just any extra they get you in the supplement.

14. Accept help when offered and be specific – if someone asks, “what can I do?” tell them something specific – I need candles, contractor bags, sandwiches – be grateful of those that reach out and be honest with what you need.

15. You will get through this, it is a struggle, but you will get through it. Lean on your faith, your friends and family.

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