New England is still recovering from the record Northeast flooding. If you missed it, you can view the scope of the damage in this gallery of dramatic Northeast flood photos. Now, it's time to move forward. We've gathered various recovery resources for those who suffered damage in these floods.
Are you eligible for disaster assistance? At DisasterAssistance.gov you can apply for assistance online, or take an anonymous pre-screening questionnaire to see if you are eligible for assistance. Various other resources are available. including advance preparation for emergencies, and resources for disaster recovery.
Rhode Island Severe Storms and Flooding - This page provides updated information and resources for Rhode Island residents and businesses in all 5 counties who were affected by the recent flooding. The first step in recovery entails filing for disaster recovery assistance with FEMA. As of this writing, FEMA has opened Disaster Recovery Centers in Cranston and Warwick. The site offers information from FEMA on where and how to apply for assistance, as well as links to other recovery resources. Check back for updated information.
Massachusetts Severe Storms and Flooding - This page provides updated information and resources for Massachusetts residents and businesses that were declared as major disaster areas March 29: Bristol, Essex, Middlesex, Norfolk, Plymouth, Suffolk and Worcester counties. The first step in recovery entails filing for disaster recovery assistance with FEMA. As of this writing, FEMA has opened 5 Disaster Recovery Centers and has FEMA inspectors assessing storm damage in seven Massachusetts counties. The site offers information from FEMA on where and how to apply for assistance, as well as links to other recovery resources. Check back for updated information.
Standard homeowners insurance does not cover flood damage, so unless you have a specific flood policy, you may be out of luck. Check to see if you have a sump pump failure rider to supplement your homeowners, which may offer some relief.
Even if your homeowners policy doesn't cover flooding, if you have experienced anything more than minor damage, you may want to file a claim:
- When your insurer investigates the actual cause of the loss, you may have some coverage.
- If you are eligible for FEMA (Federal Emergency Management Agency) assistance, you will likely need a letter of denial from your insurer. By law, FEMA cannot duplicate any assistance that insurance already covers.
- Your insurer and agent may be able to suggest resources and service firms for emergency restoration professionals in your area. They may have other resources and advice available to help you mitigate and recover from your loss.
- If you have comprehensive insurance as part of your standard auto insurance policy, you may be covered for water or flood damage to your car. You would need to contact your agent to check the specific coverage provisions in your policy.
- Flood recovery - from Floodsmart.org
- Recovering From and Coping With Flood Damaged Property - from FEMA
- FEMA: Mold can be a danger when evacuees return home - this release includes some recommended steps for dealing with mold
- Mold cleanup, removal, and remediation - information from the Centers for Disease Control
- Flood Cleanup: Indoor Air Quality - from the Environmental Protection Agency
- How to clean up after a flood (PDF) - from the Colorado Extension Service
- Flood damage cleaning fact sheet (PDF) - good information on what can and can't be salvaged in terms of fabrics and garments from the Drycleaning & Laundry Institute
- What to do with a flooded car: It depends on the water's depth