First steps after a flood or fire for NYC and Long Island property owners
Summary
Secure the property, document all damage before anything is discarded, notify your insurer and begin drying within 24 to 48 hours. Wiring that was exposed to water should be checked by a licensed electrician before power is restored.
The first 24 hours
- Stay out if there is structural damage (opens an external site), standing water near outlets or a gas smell
- Keep the power off to affected areas (opens an external site) until an electrician checks them
- Photograph and video every room (opens an external site) and damaged item before cleanup
- Call your insurance company and write down the claim number
- Prevent further water entry by tarping the roof and boarding up openings
Drying and demolition
Wet drywall, insulation and carpet usually must be removed promptly to prevent mold (opens an external site). Moisture readings show what can stay. Prompt drying limits the scope of the repair.
Working with insurance
Your adjuster determines what the policy covers. A clear written scope, photos and line-item estimates support that review. Flood damage is usually covered only by flood insurance (opens an external site), not by a standard homeowner's policy.
Rebuilding to limit future damage
In basements and garden levels, moisture-resistant drywall, vinyl plank flooring and raised outlets cost little extra and reduce damage next time.
Frequently asked questions
Can I turn the power back on myself?
Not if outlets, panels or wiring were exposed to water. A licensed electrician should inspect them first, and in NYC some repairs also require a permit and inspection.
Do you deal with the insurance company?
We document the damage and give your adjuster the scope and estimates. We are not public adjusters and cannot negotiate your claim.
Sources
5 sources
- A Brief Guide to Mold, Moisture and Your Home (opens an external site)U.S. Environmental Protection Agency
- What is a Flood? (opens an external site)FEMA, National Flood Insurance Program
- Document Your Damage (opens an external site)FEMA, National Flood Insurance Program
- Flood Safety (opens an external site)PSEG Long Island
- Home Fires (opens an external site)Ready.gov (FEMA)
This guide reflects our experience and our interpretation of the rules as of the date it was published or last updated. Regulations, codes, incentives and the way agencies enforce them change often, and our interpretation may be incomplete or wrong. It is general information, not legal, engineering, tax or financial advice. Consult the relevant agency and a licensed professional before you plan, purchase or begin any work. Reading this guide does not make you our client and does not create any contractor, consulting or advisory relationship. Outstanding Construction Inc is not liable for any loss arising from the use of or reliance on this content, and is responsible only for work performed under a written contract signed with us.