Flooding of basement, whether the water travels through foundation walls, is caused by a broken pipe, or backs up from a drain, requires immediate action to prevent exposure hazards from mold, bacteria, chemicals, pesticides, and other contaminants. Just as families should prepare and rehearse plans for addressing fires, pre-emergency preparedness is essential to safeguarding health and property values after flood events.
I. Identify the source of water. This is important for several reasons:
• The severity and types of contaminants in flood situations are defined by the origin of the water. For example, if the flood water has fecal material, toilet paper, etc. that are indicative of a sewage back-up, the water has the potential to cause significant harm to exposed individuals. In addition to mold, bacteria, toxins, and human pathogens, sewage water can be contaminated with viruses, chemicals, and pesticides.
• The origin of the water can define whether or not insurance coverage is available. Many homeowner insurance policies include riders for sump pump failures and drain back-ups. Homeowners should be aware that the coverage is not always mentioned by the agent. The cost is typically less than $100 per year, but most consumers don’t know that it is not included in the general policy. Additionally, most insurance policies do not cover damages associated with ground water intrusion that enters through foundation walls or basement windows.
• The origin of the water could determine if liability is to a municipality for negligence, such as insufficient maintenance of storm drains or pumping stations, can be demonstrated.
• The origin of the water can assist in developing an appropriate remediation scope. If flooding is from ground water or sewage, high velocity fans should not be utilized for drying until decontamination is completed. The fans can blow contaminants from affected to non-affected areas. If the water originates from a clean water source, such as broken supply line for a washing machine, high velocity air movers and dehumidifiers should be employed as soon as possible. If surfaces are dried within 24 – 48 hours, mold will not likely grow.
II. When to call your insurance company
In most cases, the insurance company should be called sooner than later. Delaying notification could cause denial of claims or delays in appropriate structural drying, which could promote mold growth that might not be covered by an insurance policy.
Homeowners should know in advance what types of water losses are covered by their insurance carrier. Knowing what the deductible and other out of pocket expenses are for a claim , as well as understanding whether additional riders are needed for mold, drain back-ups, and sump pump failures, is imperative to making wise financial and risk assessment decisions. Also, knowledge of what is and is not covered will assist in decision making regarding whether making a claim is advisable, as making claims that are not covered might compromise the insurability of a home or could cause rate increases.
III. When to call in professionals
The answer to this question depends on the origin and severity of water damage, as well as the type of building materials that are affected by water. If sewage, ground water, or storm water affects large or inaccessible areas, gets into a furnace, reaches depths that require wading through raw sewage – call a professional.
If storm, sewage, or ground water does not recede within a few hours – call a professional.
If porous cellulose building materials such as drywall, plywood, insulation, and carpeting is affected – call in a professional. Scrutinize contractors in advance and call immediately.
Since insurance companies usually require that homeowners take action to mitigate losses, having on hand the phone numbers of pre-vetted restoration contractors can save time and money. After major storms, contractors get booked up quickly. If possible, do not rely on your insurance company to pick the contractor. Choose your own independent third party that has a good reputation and appropriate certifications in water damage restoration. Information on certification can be accessed at IICRC.org.
IV. Quick responses
If water recedes to the extent that electrical and biological hazards are not imminent, healthy homeowners can don protective clothing and take action to protect their belongings and the indoor environment. With appropriate precautions, drains should be verified to be open, pumps should be used to remove standing water, and dehumidifies are to be put into operation. Removal of non-restorable contents reduces indoor contamination and minimizes secondary damage from high relative humidity.
Items to be discarded include affected papers, cardboard, books, stuffed animals, stuffed furniture and other non-restorable items immediately. Disposal should be documented with photos and lists, or items should be placed in receptacles until they are documented.
Wet carpeting should be removed as soon as possible. All wet items should be bagged or wrapped in heavy gauge polyethylene. Transport items only after they are bagged or wrapped. If possible, discard through a basement window or door to minimize cross-contamination to living spaces. Be mindful that contaminants are present, and healthy individuals with no history of breathing disorders are the only candidates for self-remediation. Protective water resistant overalls, gloves, rubber boots, and P100 respirators should be worn.
If occupants experience adverse health symptoms such as headaches, itchy eyes, sore throats, congestion, gastrointestinal disorders, dizziness, or other flu-like symptoms, the home should not be occupied until decontamination is complete and verified by an independent third party consultant. Infants, elderly people, diabetics, people on immune-suppressive drugs, respiratory illnesses, or heart conditions should be removed from the home until decontamination is complete and verified. A physician should be contacted if symptoms develop after exposure.
VI. Independent third party consultant
If a homeowner suspects litigation, confrontation with the insurance company, or serious health issues, it is strongly advised that an independent third party mold and water damage consultant be hired to assess damages and develop an appropriate remediation scope. It is a good idea to have names and numbers of vetted consultants available in advance.