What to Do After Disaster Strikes
Step-by-step guides for homeowners, renters, and property managers — sourced from FEMA, EPA, IICRC, and NAIC. Know your rights. Protect your claim. Find certified help.
After a Flood — Action Guide
Flooding is the most common natural disaster in the U.S. The first 24–72 hours after a flood are critical for minimizing structural damage, preventing mold growth, and protecting your insurance claim.
Ensure safety first
Do not re-enter a flooded structure until authorities confirm it is safe. Turn off electricity at the main breaker before entering. Watch for gas leaks, structural damage, and contaminated water.
- Wear rubber boots and waterproof gloves
- Avoid floodwater — it may contain sewage and chemicals
- Document all damage with photos before touching anything
Contact your insurer immediately
Call your homeowners or flood insurance carrier within 24 hours. Request a claim number and ask when an adjuster will be assigned. Do not discard damaged items until the adjuster has inspected them.
- Flood damage is covered by NFIP flood insurance, NOT standard homeowners policies
- Document everything — photos, videos, receipts
- Keep a log of all calls with claim numbers and representative names
Begin water extraction within 24–48 hours
Standing water must be removed within 24–48 hours to prevent mold growth. Hire an IICRC-certified water damage restoration contractor for professional extraction and drying.
- Mold can begin growing within 24–48 hours of water intrusion
- Industrial dehumidifiers and air movers are required — consumer units are insufficient
- Request a moisture mapping report from your contractor
Document and inventory losses
Create a detailed inventory of all damaged items including make, model, age, and estimated value. Photograph serial numbers on appliances. Keep all damaged items until your insurer approves disposal.
- Use FEMA's disaster documentation checklist
- Video walkthrough of every room is more effective than photos alone
- Separate salvageable from total-loss items
Apply for FEMA assistance
If your area has a federal disaster declaration, register with FEMA at disasterassistance.gov within 60 days of the disaster. FEMA assistance supplements — but does not replace — insurance.
- Register even if you have insurance — FEMA may cover gaps
- SBA disaster loans are available for homeowners and renters
- Keep all receipts for temporary housing and emergency expenses
Monitor for mold for 90 days
Even after professional drying, mold can develop in hidden cavities. Schedule a post-remediation air quality test 30 and 90 days after drying is complete.
- Musty odor is a reliable indicator of hidden mold
- ERMI testing provides the most comprehensive mold species analysis
- Disclose any prior flooding when selling the property