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Just a few inches of floodwater is all it takes to cause massive amounts of damage to your home and belongings. In some cases you may have time to prepare your home in advance, while at other times you may have no warning at all. Either way, you’ll need to clean up after the water drains away.

Insurance Claims

Before you do anything, take pictures of the damage and file a claim with your independent insurance agent. As you hire professionals to help with various recovery tasks, keep the receipts to assist your agent in streamlining the claims process. Knowing the value of the damages and repairs helps get you an accurate payout.

Stay Safe

Before entering a house damaged by floodwaters, turn off the electricity to prevent shocks while in or around highly conductive water. You should also don safety gear to protect yourself from the bacteria and sewage that builds up in floodwaters. Wear rubber boots, thick gloves, long pants and sleeves, safety glasses and a face mask. Make sure you have drinking water and soap so you can stay hydrated and wash up after work is complete.

Air Out

Open all windows and doors to help dry your home. You may even want to bring in fans and dehumidifiers. The sooner you can dry the house, the better because mold and mildew can lead to health issues. Once your home is drying, begin removing the items that were damaged. Sort them by salvageable (hard items like wood furniture and cookware) and non-salvageable (soaked soft items like linens and clothing). You will also have to remove drywall and carpeting.

Clean Up

Your salvageable items must be washed and disinfected. Scrub items down with a solution of three-quarters of a cup of bleach to one gallon of water, taking care to protect your skin. Remember to wash countertops, furniture, floors, walls and other hard surfaces. Dishes and any salvageable soft items that weren’t completely submerged can be delivered to a friend’s home for use of their dishwasher and washing machine.


Before turning the power back on, hire an electrician to inspect the property to ensure its safe. It’s also a good idea to have your air ducts inspected for signs of mold to prevent it from blowing all throughout your home. Once you’re given the okay, you can return your belongings indoors and start resetting your home.

We’ll help you get back on track. Call Insurance Planning Service at (734) 421-9900 for more information on Michigan flood insurance.

Posted 9:49 AM

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Insurance Planning Service - Mailing Address
4808 Broadmoor Ave SE | Grand Rapids, MI 49512

Phone: 734.421.9900 | Toll Free: 800.220.5582 | Fax: 734.421.9911

Also serving these Detroit area communities in Michigan: Livonia, Farmington Hills, Ann Arbor, Southfield, Plymouth, Canton, Westland, Northville, Novi, Dearborn, South Lyon & Walled Lake