Navigating Property Damage After Floods in Eastern Kentucky

Floods can be devastating, turning homes and communities upside down in a matter of hours. In Eastern Kentucky, where flooding is not an uncommon occurrence, the aftermath involves a complex process of recovery and rebuilding. Here’s a comprehensive guide on how to deal with property damage post-floods in this region:

Immediate Actions:

1. Safety First:

• Ensure your safety and that of your family. Do not return to the flooded area until it has been declared safe by local authorities.

• Be cautious of dangers like contaminated water, electrical hazards, and structural damage.

2. Document Everything:

• Use your phone or camera to take pictures or videos of the damage before you start cleaning up. This documentation is crucial for insurance claims and recovery assistance.

3. Contact Insurance:

• Notify your insurance company as soon as possible. They will guide you through the claims process. Make sure you understand your coverage, especially since floods typically require separate flood insurance.
  
  

Assessment and Cleanup:

4. Professional Assessment:

• Hire professionals like structural engineers to assess the damage to your home, especially if you suspect foundational issues or significant structural damage.

5. Mold and Water Damage:

• Begin drying out your home. Open windows if the weather allows, use fans, and consider renting dehumidifiers.

• Watch out for mold; it can start growing within 24-48 hours. Remove wet items like carpets and furniture that can't be salvaged to prevent mold growth.

6. Cleanup:

• Wear protective gear like gloves, masks, and boots while cleaning. Dispose of or clean items according to local guidelines, especially if they've been in contact with floodwater which might be contaminated.
  
  

Recovery and Rebuilding:

7. FEMA and SBA Assistance:

• If federal disaster assistance is available, apply for aid through FEMA. Small Business Administration (SBA) might also offer disaster loans for homeowners, renters, and businesses.

8. Permits and Regulations:

• Before you start rebuilding, check with local building departments for necessary permits. Flood-damaged areas might have new zoning or building codes to prevent future flood damage.

9. Elevate and Mitigate:

• Consider elevating your home or installing flood vents if you're in a flood-prone area. Look into mitigation strategies like improving drainage around your property.

10. Emotional and Community Support:

• Dealing with flood damage is not just physically taxing but emotionally draining. Reach out to local support groups, counseling services, or community centers. Recovery is as much about mental health as it is about physical rebuilding.

KY HELP Statewide Call Center: 1-833-859-4357

Team Kentucky Storm Relief Fund

Rapid Needs Assessment: 502-607-6665

FEMA Helpline: 1-800-621-3362

Long-Term Considerations:

11. Insurance Review:

• Evaluate your insurance. If you're in a floodplain and didn't have flood insurance, consider getting it. Remember, there's usually a 30-day waiting period before new flood insurance policies take effect.

12. Community Involvement:

• Participate in or advocate for community planning that focuses on flood prevention. This might include supporting initiatives for better flood barriers, improved warning systems, or green infrastructure.

13. Stay Prepared:

• Prepare for future floods with an emergency kit, an evacuation plan, and by staying informed about weather forecasts and local flood warnings.

In Eastern Kentucky, where the landscape and rivers can turn treacherous with little warning, understanding how to recover from flood damage is crucial. Resilience here isn't just about rebuilding structures but also about strengthening community bonds and preparing for the next challenge nature might throw your way. Remember, recovery is a marathon, not a sprint, and every step towards rebuilding is a step towards a safer, more resilient community.