Treasure Coast · Flood Recovery HQ

After the Water

The water got in. Now what — in what order, without making it worse or losing money you're owed. Built from FEMA, EPA, CDC and Florida Health guidance, localized for Indian River, St. Lucie and Martin counties.

📍 Flood week, Nov 2–5, 2026 (record): a state of emergency was declared for Indian River, St. Lucie and Martin counties during the flooding. No federal disaster declaration was issued — if one ever is, individual assistance opens at DisasterAssistance.gov. Shelters, closures and what's open: the Status Board · Live water & weather: the Conditions Board
🚨 Emergency — 911 County EOC — (772) 226-4000 Help & referrals — 2-1-1 Road flooding — (772) 226-3460
01

Go back in safely

Don't rush this step — most flood injuries happen during cleanup, not the storm.

  • Electricity + water kills. If water reached outlets, appliances or your panel, keep the power OFF and call an electrician or FPL before flipping anything.
  • Smell gas? Leave and call 911 from outside.
  • Wear boots and gloves. Floodwater hides nails, glass, and — this is Florida — snakes and fire ants. Cover any cuts; floodwater carries bacteria (Florida Health).
  • If sewage backed up into the house, treat everything it touched as contaminated.
02

Document everything — before you touch it

Your claim is worth what you can prove. Photograph and video every room, every wall, every damaged item before anything gets cleaned, moved or thrown out — including the waterline on the walls and the serial numbers on appliances.

👇 The free Claims Photo Log below organizes it all into one packet for your adjuster.

03

Make the calls

  • Your insurer — today. Start the claim, get a claim number, ask what they need. Note: flood damage is covered by a separate flood insurance policy (NFIP or private), not regular homeowners — check which you have.
  • Report your status / damage: Indian River County EOC (772) 226-4000. Reporting damage helps the county document the disaster — which is what unlocks state and federal help.
  • Keep every receipt — pumps, fans, hotel nights, tarps, cleaning supplies. Reasonable emergency spending is often reimbursable.
  • Take notes: who you talked to, when, what they said. Claims take months; memory doesn't.
04

Find the source

Drying only works if the water has actually stopped. When the source is obvious — storm water that came in and drained — skip ahead to Step 05. But if carpet is wet and nobody knows why, baseboards are peeling, or a damp spot keeps coming back, read the signs before you dry, patch or close anything up:

  • It follows the rain. Water shows up during or right after wind-driven rain; stains gather around windows and doors; carpet is wet along an exterior wall. That's failed window or door seals, or flashing — a glazier or window contractor's job.
  • It's there rain or shine. Moisture that never fully dries, near a bathroom or kitchen wall, a musty smell, a water bill that jumped, a warm or damp patch on the slab, or a faint hiss when the house is quiet — that's a plumbing leak, supply line or drain. Call a plumber who does leak detection (acoustic listening gear, thermal cameras) before anyone opens a wall: pinpointing the leak first means one small cut instead of a torn-up room.
  • It's coming up, over a wide area. Water at floor level across a whole room or more, new cracks, doors that suddenly stick — think slab, foundation or groundwater. Call a foundation specialist, and walk the outside of the house too: the ground should slope away from the walls, and downspouts shouldn't dump water against the foundation.
  • The stain is on the ceiling. That's the roof — but the stain often sits well away from the actual leak, because water travels along rafters and drywall before it shows.

Suspect a plumbing leak? Don't wait for the plumber to stop the damage — close the shutoff valve for that fixture or zone now (the main shutoff if you can't isolate it), then make the call.

Two rules while you hunt: photograph everything before you move or cut it — where the water came from is part of your claim (Step 02) — and don't open walls until the source is confirmed. Demolition before diagnosis only makes the repair bigger.

And tell your insurer what you find (Step 03): the source affects how a claim is handled — a pipe that suddenly burst and a slow leak that seeped for months are generally treated very differently. Another reason to find the real source early, and to have the photos to prove it.

05

Beat the mold clock

Mold can start growing in ⏱ 24–48 HOURS on wet materials. The goal of the first two days is simple: get it dry.

  • Pump or mop standing water out as soon as it's safe. Open windows when weather allows; run fans and AC; a dehumidifier earns its keep this week.
  • Wet carpet padding, soaked upholstery and drenched drywall usually can't be saved — and holding onto them feeds mold. (Photograph first — Step 02.)
  • Hard surfaces can be cleaned and disinfected. Never mix bleach with ammonia or other cleaners — the fumes are dangerous.
06

Clean up without hurting yourself

  • Gloves, boots, eye protection. A mask (N95 if you have one) for moldy rooms.
  • Wash hands often; shower after a cleanup session. If you're overdue for a tetanus shot and get cut on debris, call your doctor or urgent care.
  • Work in short shifts — heat, humidity and grief are exhausting. Drink water that you know is safe.
  • Bag debris and stack it neatly at the curb, separated the way your county asks — it speeds pickup for the whole street.
07

On a well or septic? Read this

Wells: if floodwater reached your well, do not drink the water until the well has been disinfected and a lab test comes back clean (Florida Health). Use bottled water, or boil for a rolling 1 minute, for drinking, cooking, ice and brushing teeth. Your county health department can tell you how to get a sample tested.

Septic: conserve water hard while the ground is saturated — short showers, hold the laundry. Do NOT have the tank pumped while the ground is flooded — a pumped-empty tank in high groundwater can cave in or float. Most systems recover as the ground dries.

📸 The Claims Photo Log

Add your damage photos room by room. The tool stamps each one with the date and time, keeps them organized, and builds a clean packet you can save as a PDF and send to your insurance adjuster. Your photos never leave this phone — nothing is uploaded anywhere. Keep this tab open until you've saved your packet.

Your claim details

These go on the cover page of your packet.

NO PHOTOS YET

Tip: photograph the waterline on each wall, wide shots of every room, then close-ups of damaged items and appliance serial numbers.

Toss it or keep it?

The fast version of the food and materials rules (FDA / EPA guidance). When in doubt with food: throw it out.

ItemCall
Food that floodwater touched — including cans with damaged seams, jars, and anything in cardboardTOSS
Food in the fridge after 4+ hours without power (or above 40°F)TOSS
Undamaged, commercially canned food (wash and disinfect the cans first)KEEP
Mattresses, pillows, carpet padding, stuffed toys that got soakedTOSS
Solid wood furniture, metal, glass, hard plastics (clean + disinfect)KEEP
Drywall and insulation that got wetTOSS (cut above the waterline)
Medicines or cosmetics that floodwater touchedTOSS

Watch for the storm chasers

After every Florida flood, out-of-state crews appear offering fast repairs for cash up front. Protect yourself:

✓

Verify the license — free, takes a minute

Florida contractors must be licensed. Check any name or license number at the state's official site before you sign anything: myfloridalicense.com (Department of Business & Professional Regulation).

✓

Never pay in full up front

A reasonable deposit, progress payments in writing, and the final payment only when the work is done and inspected. Get the full agreement — scope, price, timeline, license number — in writing, and be wary of anyone who knocks on your door and pressures you to sign today.

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