Information to Know
During a Flood:
TURN AROUND, DON'T DROWN!
Never attempt to drive though flooded roadways. Drowning is the most common flood-related cause of death.
- Stay away from power lines and electrical wires. Electrocution is the second most common flood-related cause of death.
- Avoid low-laying areas. Seek shelter in the highest areas possible.
If you are at home:
- Turn off electricity at the main breaker.
- If you lose power, turn off all major appliances.
- Turn off the gas and be alert for gas leaks.
- Use a flashlight to inspect for damage.
After a Flood:
- 1) Start the Claims Process
- 2) Prepare for Damage Assessment
- 3) Throw away flooded contents and supplies
- 4) Make Repairs
When it’s safe to return to your home, you should file a Flood Damage Claim of your loss immediately to your agent or insurance company. If you’re unsure how to contact your insurance agent/company, call the FEMA Mapping and Insurance eXchange (FMIX) at 877-336-2627.
If Morehead City Building Staff determines that your home or business has been substantially damaged or repetitively damaged by a flood, during the permitting process for repairs, Then contact insurance agent/company to be assigned a claims representative to assist in filing an ICC claim.
Document floodwater levels, structure damage, and personal property damage to prepare your claim estimate. It can be helpful to organize this information room by room. This includes:
- Photographing the inside and outside of your property, before discarding anything
- Providing the make, model, and serial number of large household appliances (water heaters, kitchen and laundry appliances, TVs, computers, etc.)
- Collecting samples of building items (e.g., flooring, carpet, wallpaper, and drapes) to provide to the adjuster.
After documenting the damage, immediately throw away flooded contents and supplies, such as perishable food items, clothing, pillows, etc., that could pose health risks. NFIP policyholders are responsible for minimizing the growth and spread of mold as much as possible after a flood. The Standard Flood Insurance Policy (SFIP) will not cover mold damage when a policyholder fails to take reasonable action within their control to prevent the growth and spread of mold. To learn more, to download the EPA's Homeowner’s and Renter’s Guide to Mold Cleanup After Disasters.
Check the building’s electrical, water, HVAC, and structure for damage. Building Staff can provide information about when and how to obtain building permits, the meaning of substantially damaged, and provide tips on how to better protect or repair your home when rebuilding.