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• A flashlight
• A cell phone
• A pen & paper (to write down a list of the damages)
• Waterproof boots or waders; or boots with hard soles
• Safety clothing, such as a hard hat, gloves, and dust mask
• A camera or video camera to record damage
• Tools, such as a crowbar and hammer
• Trash bags
• Cleaning supplies
Before going into your house, check for any structural damage. If you do see damage, call a building inspector before going in. Also, contact the utility companies if you suspect damage to your water, gas, sewer, or electric lines. Boil water or buy bottled water until authorities have declared the water supply safe. Throw away any food damaged by floodwaters.
As you move through your house, take photos of all the damage — both to your house and personal property. You may need to place items outside if they’re wet, but don’t throw them out. The adjuster needs them as evidence for your repair estimate. Write down a list of all the damages to your home and personal property. Include ages of items and gather receipts where possible.
Call Walsh Duffield Companies, Inc. to file a claim. If possible, have your insurance policy number ready.
• Remove wet contents immediately. Items like wet carpet and bedding can develop mold within 24-48 hours. If it’s been less than 48 hours, you can clean items with a phenolic or pine-oil cleaner and disinfect them with a 10% bleach solution (11⁄2 cups bleach in a gallon of water).
• Monitor items you do clean; if mold develops, get them out of your home.
• Dry out the inside of your home. A portable dehumidifier can help or an air conditioner can be used to start the process.
• Take photos of any damage to your walls. Then remove the baseboards and punch small holes in the base of the walls, between the wall studs, to drain any moisture.
• Call a professional and have them check your furnace and water heater for damage. Even if your water heater works, the insulation behind the walls may be damaged if floodwater covered the tank.
• Before repairing any structural damage, call your town’s building inspection or planning office, or your county clerk’s office.
This information is advisory in nature. No liability is assumed by reason of the information in this document.
Personal Lines Division
Main: 716.853.3820 x7315