Melbourne Flood Damage Emergency Restoration Services

Two different types of flood damage restoration can occur in your home, and it is vitally important that you are properly prepared for both. While regular homeowners insurance will likely cover flooding due to a broken water pipe (as long as it was not caused by your negligence in failing to repair a minor leak), flooding caused by hurricanes or tornadoes is usually not covered by insurance of housing. You need a special flood policy to ensure coverage. Flood insurance is available to both homeowners and renters, with variable rates based on risk.

Before your home needs a water damage restoration?

The critical first step is to make sure you are adequately insured in the event of a flood.

The Federal Emergency Management Agency (FEMA) has prepared maps to identify areas that are especially at risk from flooding. One in four homes in special high-risk areas will flood during the average 30-year mortgage term, so mortgage lenders often require these homeowners to carry flood insurance.

Moderate to low-risk areas are located outside of identified floodplains, but insurance is recommended, while undetermined risk areas may still have some flood risk. Insurance rates depend on risk classification.

For example, in Melbourne, Victoria, both hurricanes and tornadoes can cause flooding. The same neighborhood may have different houses in each of the flood classifications, depending on the layout of the land.

Flood Damage Restoration: What You Need to Know

The first thing to do if your home is damaged by flooding is to notify your insurance agent. If there’s been major damage in the area, hundreds of other homeowners may file emergency flood damage restoration claims, so the sooner you call, the higher you’ll be in line and the sooner you’ll get your check.

Before entering the house, check for structural damage. You don’t want to be trapped inside if the house collapses.

Take pictures of any standing water, as well as damaged property. Make a list of the damaged property, along with the purchase price, present value, and receipts, if you have them. Be careful when restoring power where there is water damage. You may need to call an electrician.

Once your home has been damaged by flooding, you must act quickly to prevent the growth of mold and mildew that can be detrimental to the health of your family. Drywall may need to be replaced to prevent mold growth behind it.

Some steps you can take to rush to dry the moisture include opening all windows and doors and turning on air conditioners and fans. You will need to wear gloves and boots to clean and disinfect. Even after the flooded area dries out, you’ll need to keep an eye on it for mold growth and watch for any musty odors that develop.

On the other hand, you can call a flood restoration company to handle water damage restoration. Hiring a professional can save you time and effort while ensuring thorough work.

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