Filing a flood insurance claim is something no homeowner wants to do, but a large number of people every single year in the United States have to do this as a result of the heavy rains that come during the spring and summer. Even if you do not think that you are at risk for flooding, you should always be prepared to deal with one on the off chance that it comes to your area. Anyone who lives near a levee of any kind should always prepare, since as we learned during the events of Hurricane Katrina, they do not always hold like they are supposed to. Here are a few tips to help you getting your insurance claim filed and your life back in order.

After the flood is over and the water has receded back out of your home, the first thing you want to do is make sure that the electricity is completely off inside the house. Since there is possibly (or even probably) electrical damage, not shutting off the electricity could cause you to have to file an insurance claim from the hospital. Electrocution is not a pretty sight, so making sure the electricity is off in your home before going back in should be a top priority.

When you call your insurance company, you should have your name, policy number, and a phone number where you can be reached on hand. Try to be patient with them, especially if the area that has been flooded is a large one, because they will have to deal with a lot of other claims. Making sure that they can reach you will speed up the claim process tremendously, so give them the information about wherever you are staying, even if it is not close by your home.

Try to video tape all of the damage to the home so that you have a visual record of it all. This will help your insurance agent be able to tell you how much money you will be able to get from your claim. Then, if you can, make a list of all the things you have on the video so you can give them a detailed list. Do not expect them to watch the video and remember everything; the purpose of the video is to serve as proof of what was lost, but making a list will make it a lot easier on the agent and make sure you get all the money you deserve.

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It is tiny, everywhere, and one of the worst things that can ever happen to your home. Mold. It can cost you thousands of dollars to get rid of it once it starts to grow in your home in any substantial quantity, but fortunately for you, it is almost completely preventable if you know what to do about it before it starts. There are a lot of things to know about mold before you can understand how to keep it out of your home.

Mold is a fungus that starts from tiny spores that float around in the air that we breathe. The hairs in your nose catch a lot of the spores before they can make it into your lungs, but even with that advanced filtration system, a few will still always manage to slip by. One of the best things that you can do for your home is have an air filtration system installed in it to help filter out these mold spores, pet dander, pollen, and etcetera. This will help not only prevent mold from starting to grow in your home, but also keep it out of your lungs and off of your skin. Mold spores, even if they are dead ones, can still cause allergic reactions and rashes.

Even if you manage to filter most of the mold spores out of the air with a filtration system, there will still be a few that are missed. So, you want to try and keep the level of humidity in your home down considerably, since mold spores will only start to reproduce when they land on moist surfaces. This is common in the bathroom, especially in the dirty clothes when you throw wet items in and forget about them for days at a time. Wet rags that stay in the dirty clothes or even in the kitchen sink will become slimy with mold and stink after a few days, so try to keep your dirty clothes hamper cleaned out on a regular basis. Whatever you do, do not throw wet clothes or other items on the carpet and leave them there for more than a day or so (if at all), since carpet holds a significant amount of mold spores, even if you vacuum regularly. If a piece of clothing does become molded, you should wash it by itself to keep the rest of the laundry from stinking. It is typically best to wash these items twice.

You can also prevent mold growth by installing steam vents in your kitchen and bathroom. This will stop mold from growing on your ceiling and stop water from being absorbed into it. Water damage due to steam is common in these areas and properly ventilating the room is key to preventing it.

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