Tuesday, 8:30am CT—Understandably, it is hard to think about what must be done after a natural disaster. We know the stress of the moment is nearly too much to bear—especially for those of you who are dealing with immediate flooding issues. Water in your home. A flooded business. A lost vehicle. All of our thoughts and prayers are with you.
We are not experts in disaster recovery, we’re just forecasters. But we can provide some basic information about what to do when the rains are finally over, and we all will have to face the reality of damaged or lost property. While it may be difficult to fathom a return to normalcy right now, we hope this information may prove useful in the coming days.
Home flooding
Though flood waters may begin receding from your neighborhood, do not go back into your home until authorities say it is safe (i.e. despite the temptation, do not drive around barriers). This may not happen until Thursday or Friday, as Harvey finally leaves the area. Roadways can appear safe, but flood waters could erode the ground from under the asphalt, creating sinkholes. Wait until roads are free of water and safe to drive before attempting to return. Avoid standing water as well—water could be electrically charged from power lines, or hide dangerous wildlife (think alligators, snakes, or floating beds of fire ants).

Once you get into your home, the first thing you should do is turn off the electricity at the main breaker, even if power is out in your community. Turn off the gas valves that feed into each individual appliance (stove, water heater, etc.). Then, carefully check your home to make sure there is no structural damage. Flood waters can put tremendous strain on the structure of a home. Take plenty of pictures of anything that is damaged, and contact your insurer immediately. As you begin any cleanup efforts, keep receipts. It may take insurance adjusters days or even weeks to assess your damage, so keep meticulous records. Finally, remember that flood insurance is a separate policy from homeowner’s insurance.






