After the Catastrophe
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Checklist for after a flood or fire
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Compile a list of dates, times and persons who you talk to concerning your claim.

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Get a copy of your insurance policy. This will define and determine your limits as well as your rights and responsibilities to and from your insurance company.
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Have a clear line of communication with your adjuster.
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Ask what the process is for listing and identifying the value of personal property.
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Ask about being reimbursed for any lost rent or interruption of business.
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Ask your adjuster for a sufficient monetary advance for purchases that are necessary. Include enough money to assist with your first month and security deposit for a temporary dwelling.
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Save all receipts for any and all meals, hotels, purchases, toiletries, vitamins, cosmetics, etc.
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Remember that it is your choice who the restoration company will be, not the adjuster's.
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If you feel that you are being pressured to choose a certain company, you can contact your local Attorney General's Office to file a complaint.
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Check reference, for any and all companies that you retain to perform work on your behalf.
From FEMA Emergency Response and Salvage Wheel
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Alert any staff to potential hazards.
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Work in pairs.
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Look for areas with loose or downed power lines; avoid those areas and report to local authorities.
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Look for electrical sparks, broken or frayed wires or smell of burning insulation.
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Turn off electricity at main switch if you can without risk.
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Shut off water.
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If you smell gas or hear blowing or hissing, open a window and immediately leave the building.
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Turn off gas at main valve if trained to do so.
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Do not reenter the building until declared safe by security or emergency management.
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Create a secure salvage area for supplies such as: fans, tables, shelves, plastic sheeting, drying materials and clean water.
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Notify emergency officials concerning the extent of damage.
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Building may be contaminated so do not enter without current tetanus shots, Hepatitis shots, protective gloves/clothing, hardhat and NIOSH-approved respiratory masks.
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If possible, reduce temperature and relative humidity to prevent mold outbreak.
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Cover broken windows with plastic.
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Do not turn on heat unless truly necessary.
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Remove any standing water and empty items containing water; remove wet carpets and furnishings.
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If everything is soaked, use commercial dehumidification.
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Do not move objects or collections without documenting their condition.
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Photograph or videotape conditions of collections and structure; make notes to go along with the photos or videotape.
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Make notes of each step of the salvage process.
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If nothing in the house is dry, cover everything with loose plastic sheeting.
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Separate damaged and undamaged items.
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Label and retrieve all broken items.
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Isolate items with mold and check every day for new mold growth.
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Make a rough estimate of materials affected and the extent of the damage.
Sources:
Begal Enterprises, Inc.
FEMA


