Safety comes before salvage
Do not enter a building that authorities have said is unsafe. Avoid moving water, wet electrical equipment and visibly unstable areas. Contact emergency services for immediate danger; this site does not provide rescue or emergency dispatch.
Contamination changes the cleanup plan
Tell the assessor that water came from outdoors. Ask how they will evaluate contamination, protect occupants and decide which porous materials can be saved. Do not treat outdoor floodwater as a clean indoor spill.
Prepare for a separate coverage discussion
Describe the source and timing to your insurer. Flood damage can be treated differently from indoor leaks under a policy. Keep photos and records and ask your insurer directly about coverage.
Sources & further reading
Official resources used to prepare this page. Their inclusion does not imply affiliation or endorsement.
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