Insurance Restoration and Disaster Recovery (PART 2)
Friday, January 22nd, 2010Disaster strikes and you need to put your life back together again. We began the step by step approach that concentrates on you and your family first and then works diligently rebuilding your home in the previous post. Here are steps 5-8.
STEP FIVE: CONSUMABLES, MEDICINES, WATER AND SEWAGE
It is best to throw out all your food and medicine as smoke, fumes and water damage can lead to severe contamination. Contact your Pharmacist and Doctor to refill any essential prescriptions
WATER SAFETY: Contact your public health authority to get approval to ensure your water is safe to drink. Where possible purchase bottled water until out get the go ahead form your public health official to drink your water. If you boil water, make sure you let it boil at least six minutes before you drink it.
SEWAGE DISPOSAL: Do not use your sewage disposal system until you have been given the approval from proper authorities that it is capable of handling waste.
- Sewer system - If your home is connected to a municipal sewer, you will be notified when the system has been restored. Temporary camp toilets can be purchase at many stores as a possible interim measure.
- Septic system - Septic tanks are often damaged by major disasters.It is best to have the tank inspected by a professional before re-using it.
STEP SIX : CLEANING UP - GENERAL
Cleaning your belongings and drying your house are top priorities to prevent the spread of mold and odors. The kind of cleanup you face will depend on the type of natural disaster you survived. Your home and its contents may look beyond hope, but many of your belongings can be restored, whether they were damaged by floodwaters, or smoke and soot. No matter what the disaster, if your house is livable, the first job is to give the house a thorough cleaning and drying. If you need help in cleaning up, contact your ServiceBlocks Inc. professional to assist you.
GENERAL CLEANING TIPS:
- Tackle one room at a time.
- Use the two-bucket approach: one bucket for cleaning solution and the other for rinse water. Change the rinse water frequently.
- Protect your hands, lungs and eyes - wear rubber gloves, a filter mask and safety goggles.
- Clean walls from the bottom up so you can easily see where you have already cleaned.
- Follow a three-step process.
- First, clean the room or item
- Second, disinfect it to kill germs and the smell left by floodwaters or smoke.
- Third, if necessary, get rid of mildew, which shows as fuzzy splotches.
You will have to make difficult decisions about what to keep and what to throw out. Have lots of bags and masking tape available. When in doubt; bag and label your belonging.
Remove flood-soaked insulation in walls. Do this as soon as possible. Wet insulation holds moisture, encourages the growth of moulds and bacteria and keeps other building materials from drying out properly. Remove insulation at least 50 cm (20 inches) above the high-water line.
DRYING
- Dry out the house and its contents quickly and thoroughly in order to prevent the growth of moulds and bacteria. Open doors and windows to allow moist air to escape. Use fans and dehumidifiers if you have an outside source of power, or if indoor electricity has been safely restored.
- Only after you have been given the go ahead by a qualified HVAC technical, you may begin to heat your home to help the drying process.
The basic steps to cleaning up after a flood are: remove standing water; remove mud; tear out any walls that need it; clean up; and disinfect.
- Remove standing water slowly to prevent any further damage. A good rule of thumb is to drain no more than 30% of the water volume per day.
- Hose down your walls as most of the health hazards are contained in the mud left behind by flood waters.
STEP SEVEN :ITEMS NEEDED FOR YOUR INSRANCE CLAIM. INSURANCE MATTERS
Create an inventory list of your belongings for your insurance professional to start working on your claim.
KEEP ALL RECEIPTS:
Keep a copy of your receipts related to living expenses and repairs, permits, inspection forms during your recovery phase. You may need them for insurance purposes.
STEP Eight : Choosing a Contractor
Your ServiceBlocks Inc. team are well prepared to rebuild and restore your home. We work hand-in-hand with you and your insurance professional to develop reasonable rebuilding budgets. Our step wise approach gives you the assurance that we are taking care of you.
Here are some actions that you will need to address to proceed quickly with your restoration. Contact your local authority (municipality or regional district) to find out what steps you need to take to submit plans for rebuilding your home and to get a building permit. Keep in mind that homes must be rebuilt to today’s building code standards, not to the standards that were in place when the house was originally built. In some cases your insurance will only cover cost up to previous building standards. It falls on the homeowner to pay for the difference to bring their home up to the current building code. A frank discussion with your insurance professional will help you in this situation.
Take your time about signing a contract. We work with you to develop budgets to undertake the restoration of your home. Once you agree with the budget and scope of work we formalize this into a written contract with you