After the storm

When returning to a home that’s been flooded, be aware that your house may be contaminated with mold or sewage, which can cause health risks for your family. Below are FEMA's tips to stay safe after a flood:

  • Listen to authorities for information and instructions. Return home only when authorities say it is safe.

  • Avoid driving, except in emergencies.

  • Wear heavy gloves and boots during clean up.

  • Be aware of the risk of electrocution. Do not touch electrical equipment if it is wet or if you are standing in water. If it is safe to do so, turn off the electricity to prevent electric shock.

  • Avoid wading in floodwater, which can contain dangerous debris and be contaminated. 

  • Use a generator or other gasoline-powered machinery ONLY outdoors and away from windows

Additional health and safety tips can be found on the Center for Disease Control and Prevention website: Reentering Your Flooded Home

Before returning to a flooded building, review the below guidance documents:

File a Flood Insurance Claim

When it is safe to return to your home, report your loss immediately to your insurance company. Your official claim for damages is called a Proof of Loss. This must be fully completed and signed and in the hands of your insurance company within 60 days after the loss occurs. The Proof of Loss includes a detailed estimate to replace or repair the damaged property. 

This is also a good time to clarify your flood insurance coverage limits and what your policy covers. You might have a policy that only covers your structure, or you might have a policy that covers your personal items; some people have both.

For more information about filing a flood insurance claim, see FEMA's Flood Insurance Claims Handbook 

Protect yourself from fraud

Once you return home, ask for identification from anyone who comes to your home and the purpose of the visit. Never give out personal information such as your Social Security or bank account number. Government officials will never ask for money and you should never pay for their service.

Some visitors to expect at your home following a flood are highlighted in this FEMA brochure: Who's Knocking at Your Door?