Water Damage and Flood Restoration Companies in Kentucky
Flood Company Kentucky
Water damage in Kentucky from flooding has been devastating. On July 17th, thunderstorms dumped 3-7 inches of rain on Pike County in less than nine hours causing devastating flash flooding and two deaths. Property damage exceeded ten million dollars. On July 23rd, President Obama approved Governor Beshear’s request that Pike County be declared a major disaster and therefore eligible for individual and public federal assistance. Other counties declaring states of emergencies included Carter, Elliot, Lawrence, Lewis, Mason and Rowan.Spring snows melting, clogged drainage systems and heavy rains frequently result in unexpected flooding in Kentucky, especially the eastern part of the state. Flood risk is based not just on rainfall but also on topography, river-flow, flood control and changes to the landscape from construction and mining.
In Kentucky, where flooding is the leading cause of property loss from natural disasters, residents and businesses can purchase flood insurance through local insurance agents or directly from the National Flood Insurance Program. Federally regulated lending institutions in Kentucky require borrowers to purchase flood insurance for homes located in the one hundred year flood plain. Standard homeowners insurance does not provide coverage for flood damage. Kentuckians receiving SBA disaster loans or flood assistance from FEMA programs are also required to purchase flood insurance.
Flood companies in Kentucky provide coverage for the building itself but not the contents unless contents coverage is taken out. Coverage to basements is generally limited to the structure itself and to furnaces and water heaters. Damage from sewage back up is sometimes part of the coverage while at other times must be purchased as an additional endorsement.
Residents who experience water damage to their homes and have flood insurance should call their insurance agent to file a claim. If possible photos should be taken showing water in the house and the property and its contents after it recedes. An adjuster will come assess damage.
After flooding, residents should check for structural damage before going back into the home. Electricity should be turned off and water should be pumped out slowly. Electrical wiring, plumbing and heating/cooling systems should be checked out. Residents should make sure there are no gas leaks and call authorities if there are. All food and toiletries coming in contact with flood water should be thrown away and boiled water advisories should be heeded. Finally, the home should be disinfected with a bleach solution and allowed to dry out.