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Flood Damage in Your Home: The Most Common Hazards

Did you know that a flood is the most common type of disaster in the United States? Every year, floods cause more than $2.5 billion in damages and take the lives of more than 100 people. And although most homeowners think they’re safe from these disasters, floods can happen to anyone, anywhere. In fact, nearly 25% of all flood claims occur in areas that are not considered at high risk for flooding. So it’s important to understand the risks associated with flooding and know what to do if your home is ever affected. Keep reading to learn about the most common hazards associated with flood damage and how to protect yourself and your family.

How can floods affect your home or business?

When Heavy rains occur, it can cause serious damage to your property. Water can infiltrate your home through cracks in the foundation or walls, through the roof, or even through broken windows. Once inside, water can damage furniture, appliances, and electronics. It can also cause mold and mildew growth, which can lead to health problems for you and your family.

What are the most common hazards associated with flood damage?

There are a number of hazards associated with flood damage, and some are more dangerous than others. The most common hazards include:

-Water damage: As mentioned above, water can damage household items, furniture, appliances, and other possessions. It can also cause mold spores and mildew growth, which can lead to health problems.

-Electrical hazards: When water and electricity mix, it can be a dangerous combination. Electrical parts of your home should always be considered potentially hazardous when flooded. If you see wires or electrical outlets underwater, do not attempt any repairs without first turning off the power from a safe location.

-Fire hazards: Wet items can create the perfect environment for fires to start. All it takes is some heat and a spark for your home to go up in flames while you’re busy dealing with other flood damage problems.

-Structural failure/collapse: Floodwaters can cause the ground beneath your home to soften, which puts serious stress on your home’s foundation. If the weight of your home becomes too much for the ground to support, it could collapse.

-Health hazards: Sewage contamination and carbon monoxide exposure are additional health hazards associated with flood damage.

Diseases and Infections –

When floodwaters enter homes they can contain a number of microorganisms that can cause diseases and infections. Some of these microorganisms include:

Leptospirosis – This disease has symptoms like high fever, severe headache, chills, vomiting, jaundice (yellow skin and eyes), red eyes, and abdominal pain.

Giardiasis – This is a diarrheal illness caused by a parasite that is found in contaminated water. Symptoms include diarrhea, gas, stomach cramps, and dehydration.

Cryptosporidiosis – This is a diarrheal illness caused by a small organism that can live for long periods of time outside the body. Symptoms include watery diarrhea, stomach cramps, bloating, nausea, and weight loss.

-Mold and mildew: As mentioned above, mold and mildew can grow quickly in flooded homes and can cause a number of health problems.

Home flood Damage Danger’s (Electrical and Gas )

When water and electricity mix, it can be a deadly combination. Electrical damage parts of your home should always be considered potentially hazardous when flooded. If you see wires or outlets underwater, do not attempt any repairs without first turning off the power from a safe location.

Gas lines can also be damaged in a flood. If you smell gas in your home after a flood, leave immediately and call your gas company from a neighbor’s phone.

How do I know if my home has been damaged?

If you suspect that your home is damaged, it is important to contact an insurance agent or adjuster to assess the damage as soon as possible. You should also have any documentation on hand before calling, such as photos of the damage and receipts for any property that was damaged or lost.

What should I do if my home is flooded?

If your home is flooded, there are a few things you should do:

-Stay safe: Be aware of potential hazards, such as electrical shocks and fire. Do not enter floodwaters if you are unsure about the safety of the area.

-Turn off the power: If you see wires or outlets underwater, do not attempt any repairs without first turning off the power from a safe location.

-Remove wet items: Remove all wet items from your home as quickly as possible to prevent further damage. This includes furniture, appliances, carpets, and other possessions.

-Clean up: Begin cleaning up as soon as possible to prevent the growth of mold and mildew.

-File a claim: Contact your insurance company as soon as possible to start the claims process.

What is the process for filing a flood insurance claim?

The process for filing a flood insurance claim may vary depending on the insurance company, but there are a few common steps in all claims.

The following are some good guidelines to follow when filing a flood insurance claim:

-Take photos of your home and possessions before any repairs are made. This will help with an accurate assessment of the damage later on if you have to file for additional damages or losses.

-Keep all receipts related to the flood damage. This includes receipts for any repairs, temporary housing, and property that was damaged or lost.

-Contact your insurance company as soon as possible. Many companies have a time limit for filing claims, so it is important to act quickly.

-Follow the insurance company’s instructions carefully. They may want you to do an initial damage assessment or provide a list of damaged property.

-Be patient. The claims process can be time-consuming, but it is important to stay organized and keep track of all communications with the insurance company.

In the End,

Home flooding can cause a number of hazards, both immediately and in the long term. It is important to be aware of these dangers and take steps to protect yourself and your home. If you experience any flood damage, be sure to contact a qualified professional company as soon as possible.

 

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