| MORTGAGE
ARTICLES
When rising water becomes
a flood, you need to be prepared
The summer of 2005 may be remembered as the season
of contrasts. While Ontarians suffered through a marathon of heat,
smog and relentless drought, homeowners in the West scrambled
to protect their homes and belongings as swollen rivers created
historic flooding – washing through farms and residential
neighbourhoods alike.
Few Canadian homeowners are properly prepared
for floods – whether it’s weather-induced, or a break
in the home’s own water or drainage systems. There’s
never been a better time to think about flood-preparedness…
before water starts to rise in your house.
1. Safety first!
When you have water inside a home, you have a
high risk of electrical shock. Where rubber boots and keep children
and pets away. Equip yourself with rubber gloves, masks (N95 respirators
are recommended) and whatever protective gear you have to work
in what will be a contaminated environment.
2. No time to lose.
If the water does come, you’ll need to
work fast to clean up. Mould sets in quickly, but if you get carpets
and furnishings dried within 48 hours, you greatly reduce the
risk of serious mould damage.
3. Contact your insurance agent immediately.
Then get out the camera or video recorder and
get a photographic record of the damage. Try to get enough detail
to demonstrate the extent of the damage. In the case of widespread
flooding (usually weather-related), be sure to register your flood-damaged
home with your municipality, who may have a plan in place for
resources or financial assistance.
4. Start to bail.
You’ll need to remove all standing water,
as well as any accumulated mud and other debris. If you have a
pump, pails, squeegees, and a wet-vac, you’ll want them
all for this job. Large and small snow shovels can also be helpful
for clearing debris.
5. Dispose of any contaminated goods.
Anything that has been touched by sewage, or that
has been wet for more than a few days. You can’t just throw
these at the curb, by the way. Contact your municipality to ask
how contaminated items should be discarded. You’ll want
more plastic bags than you can imagine. Be prepared to rip out
wet insulation and drywall, if necessary. In some cases, partial
panels can be saved. Don’t try to save upholstered furniture,
mattresses or bedding that has been touched by sewage.
6. Collect and dry wet belongings.
If items are wet but not contaminated, start gathering
them into jumbo plastic totes, and get them outside to air-dry.
You can wash them later; the important thing is to get them dry…
fast. If you have any valuable papers that have been damaged,
toss them into a (working) freezer until you have time to deal
with them.
7. Rinse away contamination from the
inside of the house.
Start at the top, and work down, removing any
dirt or debris clinging to walls or furnishings. Bail the water,
then rinse again, repeating the process at least a few times.
A wet-vac is worth its weight in gold at this stage.
8. Wash walls, ceilings and floors with
a mild detergent.
Preferably unscented, as you’re dealing
with a very large area. For the same reason, bleach is not recommended:
fumes are harmful and chemical reactions with organic materials
are unpredictable.
9. Get drying! A dehumidifier is good. Also open doors and windows,
and set up fans to circulate the air. You may need professional
help to dry carpets quickly.
10. Don’t move back into your home
until it’s safe.
The house should be dry, appliances checked and
furnace or AC inspected by a professional. If in doubt, get advice.
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