Hurricane water damage guide for Florida homes

Before the storm

• Clear gutters and downspouts
• Know where your main water shut-off and electrical panel are
• Move valuables off the floor and away from windows
• Photograph your home and belongings for insurance
• Have tarps, plastic sheeting and a wet-dry vacuum ready

Right after the storm

• Wait for officials to say it's safe to return
• Watch for downed power lines and standing water near electrical equipment
• Don't enter if you smell gas or see structural damage
• Photograph all damage before cleanup

Stop more water getting in

Tarp roof openings and cover broken windows as soon as it's safe. Most insurance policies expect you to take reasonable steps to prevent further damage, so keep receipts.

Start drying within 24 to 48 hours

In Florida's heat and humidity, mold can start growing on wet drywall and carpet within a day or two. Get water out and drying started as soon as possible, even if your adjuster hasn't visited yet.

Floodwater is contaminated

Water that came from outside should be treated as contaminated. Porous materials it touched, such as drywall, insulation and carpet, usually need to be removed, and surfaces disinfected.

Questions