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​WARNING: FEMA DOES NOT REIMBURSE COMMUNITY ASSOCIATIONS THAT REMOVE DEBRIS FROM PRIVATE ROADS. WE STRONGLY ENCOURAGE YOU TO REVIEW THE GUIDELINE FOR REMOVING DEBRIS​ NOW. ​​​

BEFORE THE FLOOD

MAKE A PLAN

Whether you are a homeowner or renter, it is important to be prepared before and after a flood occurs.

• An up-to-date household and property inventory will help properly document your losses.
• Create a family disaster plan. The plan should include a place to meet in case you are separated from one another and list an out-of-state contact person.  
• Make sure you have emergency supplies handy during an emergency period. 

ARE YOU COVERED?

The right insurance coverage is an important factor in protecting your property from flood damage. Review your current insurance policy with your agent to make sure you have the proper level of protection.

• Consider purchasing flood insurance to cover the contents of your home and property. Flood damage is not usually covered by a standard homeowner policy. Learn more by visiting the National Flood Insurance Program (NFIP) website and find out your property's proximity to the flood zone.

• Elevate the furnace, water heater and electric panel in your home if you live in an area that has a high flood risk;
• Consider installing "check valves" to prevent floodwater from backing up into the drains of your home; and
• If feasible, construct barriers to stop floodwater from entering the building and seal walls in basements with waterproofing compounds.
  

DURING THE FLOOD

If you must prepare to evacuate, you should do the following:

• Secure your home. If you have time, bring in outdoor furniture. Move essential items to an upper floor; and
• Turn off utilities at the main switches or valves if instructed to do so. Disconnect electrical appliances. Do not touch electrical equipment if you are wet or standing in water.

AFTER THE FLOOD

​CLEANING UP AND REPAIRING YOUR HOME

After flood waters subside, you should: 

• Contact your insurer as soon as possible. Document the damage BEFORE you start making repairs.
• Protect yourself. The water in your home may be contaminated. Wear waders, hip- or waist-high waterproof boots, and rubber gloves. 
• Remove water. Once you receive confirmation from your insurer to remove the water, use a sump pump and a wet vac. Open doors and windows.
• Mitigate mold by removing wet items. Mold can develop within 24 to 48 hours.
• Secure the property. Place boards over windows, secure tarps, and document your efforts.
• If you hire cleanup or repair contractors, check references and be sure they are qualified to do the job. Check out CAI's Professional Service Directory to find a service provider.