Disclaimer: If you are recovering from flood or fire, sometimes speaking with a human can be more helpful than navigating recovery on your own. Please feel free to contact us for guidance without any obligation at (860) 733-2080.

Experiencing property loss due to fire or flood is a harrowing ordeal for any homeowner: It’s a time filled with uncertainty, stress, and a multitude of decisions, which are often much harder to make when dealing with the fallout of events like these. Your life can be completely turned upside down by flood or fire, and oftentimes recovery resources are limited, out of reach, or not immediately explained. This guide aims to provide a clear, step-by-step path to recovery for yourself, your family, and your property after a disaster, breaking down the process into manageable phases: “Day of The Accident”, “First Steps”, and “Long Term Considerations”.

Resources for Flood Victims
(Updated 8/20/24)

Starting Your Flood Claim: If your property took a hit, here’s where you begin with your flood insurance claim. It’s important to get this going as soon as you can. Check out the step-by-step guide here: How to Start a Flood Claim

Help for Small Businesses: If you run a small business and need some financial help to recover, you might qualify for disaster recovery grants. Here’s where you can find more info and apply: Small Business Disaster Recovery Grants

Finding Food Assistance: If you’re struggling to put food on the table right now, there are local soup kitchens and food pantries ready to help. Find one near you: Connecticut Food Pantries

FEMA Support: FEMA has set up resources specifically for folks in Connecticut dealing with flood damage. Learn more about what they offer here: FEMA Page on CT Flooding

Our Homeowner’s Guide to Flood Recovery: We’ve put together a guide to help you navigate the recovery process. It covers what you need to do, from cleanup to insurance claims. Take a look here: Guide to Recovering from Property Loss

24/7 Support Hotline: If you’re feeling overwhelmed, you don’t have to go through this alone. The SAMHSA Disaster Distress Helpline is available 24/7. Call or text 1-800-985-5990 for support: Disaster Distress Helpline

Day of The Accident

Safety First

Informing Authorities: Contact the local fire department or other relevant authorities to officially report the incident. This report can be critical for insurance and legal purposes.

Utility Safety: Contact utility providers (gas, electricity, water) to ensure that all services are safely disconnected or restored as needed. Also, inform your postal service and other essential service providers about your temporary change of address.

Assess Safety: Ensure it’s safe to re-enter your property. In case of structural damage or ongoing hazards, wait for clearance from authorities.

Documenting the Damage

Photos and Videos: Immediately start documenting the extent of the damage using your smartphone or camera. Capture detailed photos and videos of all affected areas. This visual evidence is crucial for insurance claims and future reference.

Secure your Possessions

Board Windows, Protect Possessions: Be sure to secure your property and possessions as much as possible: Some mitigation companies offer services such as boarding up damaged windows, securing broken doors, and bagging or binning any items that need to be protected from the elements but cannot be removed from the site of the incident.

Securing Important Papers: Try to retrieve or secure important documents like identification, financial records, and insurance policies, if it is safe to do so. If these are lost, begin the process of obtaining replacements as soon as possible.

Securing a Public Adjuster

Finding Help: Engage a public adjuster early. They advocate for you with the insurance company, ensuring that your claim is fairly evaluated and compensated.

Inventory Listing: Begin creating a list of damaged or lost items. Include descriptions, approximate values, and, if possible, receipts or proof of purchase.
Remember, the initial actions taken in the aftermath of a fire or flood are crucial in setting the stage for a smoother recovery and rebuilding process. Each step not only aids in practical recovery but also contributes to your peace of mind during this challenging time.

Temporary Housing

Shelter Solutions: If your home is uninhabitable, look for temporary housing options. Check if your insurance policy covers the cost of alternative living arrangements.

Two firefighters in full gear stand in front of a house engulfed in flames, preparing to enter.

First Steps to Recovery

Initiating the Insurance Process

Contact Your Insurance: Promptly inform your insurance company about the loss. Provide initial documentation and start the claims process.
Understanding Your Policy: Familiarize yourself with the terms and coverage of your insurance policy. Know your rights and what’s covered.

Hiring Professionals

Find a Team: Start looking for reputable contractors experienced in fire and flood restoration. Ensure they are licensed and insured.

Public Adjustors: Just as the insurance company has a right to bring out an adjustor, you have the right to have one on your side. If your losses are significant, having an adjustor on your team can greatly increase insurance payouts, and they oftentimes serve as a helpful guide through the recovery process.
Restoration/Mitigation Companies: While most restoration work is usually performed by contractors, the actual cleanup of your property is often performed by a separate mitigation company familiar with flood and fire cleanup. The best way to find a mitigation/restoration company is from a referral from your contractor or adjustor. 
Contractors: Look for contractors who are familiar with fire and flood recovery, and who have experience working with insurance companies. Contractors who are familiar with or recommended by your public adjustor or mitigation company will often be a better choice than a team who may not have handled a fire or flood recovery before.

Dealing with Water and Smoke Damage

Immediate Mitigation: Act quickly to prevent further damage. This may include water removal, dehumidification, or boarding up broken windows and doors.

Understanding the Damage

The first step in recovering from any damage is identifying and documenting the scale of damage. Using an inspector, adjustor, or other professional specialized in fire or flood damage is vital to maximizing your claim.

Professional Inspectors or Contractors:

These are the experts who know how to look at your house and see all the damage, even the hidden stuff. It’s good to have someone who knows about flood or fire damage take a look. They’ll go around your house, checking everywhere – under floors, inside walls, up in the attic – to make sure they see everything that needs fixing.

Mitigation Companies:

Right after a disaster, these companies can also help figure out what needs to be cleaned up or dried out to stop more damage from happening.

Insurance Company vs. Public Adjuster Quotes

Insurance Company’s Quote: After a disaster, your insurance company will send their own assessor to check out the damage. They’ll make a list of what’s broken and decide how much money the insurance should give you to fix it. Unfortunately, they might not see everything, might not know how much things really cost to fix, or may undercut the project to save on costs.

Public Adjuster’s Quote: A public adjuster works for you, not the insurance company. They can often find things the insurance person missed and can help you get more money to fix your house.

Two construction workers in safety vests and helmets stand on a wooden platform, observing a house under construction near a lake.

Tips for Accurate Assessment of Damage

Take Pictures:

Right after the damage happens, and it’s safe, take lots of pictures of everything. This helps show exactly what happened and how bad it is.

Make a List:

Write down everything that’s damaged or ruined. This helps you remember everything when talking to the insurance company or contractors.

Keep Receipts:

If you have to buy anything to clean up or make your house safe right after the damage, keep those receipts. They can help show the insurance company what happened and might help you get more money for repairs.

Ask Questions:

When the experts are checking your house, ask them what they’re looking for and why. This helps you understand what’s going on and makes sure they’re checking everything.

Get More than One Opinion:

Sometimes, it’s a good idea to have more than one expert look at the damage. This can give you a better picture of what needs fixing and how much it might cost.

Long Term Considerations

Navigating Insurance Settlements

Detailed Claims: Work with your public adjuster to submit detailed claims, including estimates for repairs and replacements.
Negotiating Fairly: Be prepared for back-and-forth negotiations with the insurance company. Stay informed and involved.

Planning Your Rebuild

Design and Planning: Once your claim is settled, work with architects or designers to plan the rebuild or restoration of your home.
Selecting Materials: Consider the opportunity to upgrade materials and finishes. Your contractor can guide you in making choices that align with your insurance settlement.

Mental Health and Support

Seeking Support: Remember that recovery includes taking care of your mental health. Reach out to support groups or professional counseling if needed.

Preventative Measures for the Future

Upgrading Insurance: Review and possibly upgrade your insurance policy to better prepare for any future incidents.
Risk Mitigation: Implement preventive measures like fire-resistant materials or better flood defenses, depending on your location and risk factors.

Two construction workers in safety vests and helmets stand on a wooden platform, observing a house under construction near a lake.

Fire and Flood Recovery Resources in CT

Below is a list of resources for those affected by fire and flood loss in Connecticut, as well as our recommended partners to guide you through the process.

FEMA Individual Assistance

If a federal Major Disaster is declared, FEMA’s Individual Assistance program can offer support. This includes Housing Assistance for temporary housing and home repairs, and Other Needs Assistance for essential needs like funeral expenses, medical equipment, and personal property. It’s important to apply for assistance as soon as it becomes available and stay informed through various media sources about the availability of these resources​​.

Connecticut State Division of Emergency Management

This division is involved in disaster recovery, providing assistance and coordinating federal relief and mitigation funds for various entities. They offer planning resources at different government levels and maintain units for Disaster Recovery and Hazard Mitigation, facilitating preliminary damage assessments and coordinating recovery efforts​​.

Local Non-Profit Organizations

Organizations like the American Red Cross, United Way, and local fire district programs offer various types of assistance including food, clothing, shelter, medical care, safety tips, and insurance guidance. These organizations can be pivotal in providing immediate as well as long-term support​​.

Recommended Companies:

As a contractor with experience in insurance work as well as fire and flood recovery, Fine Home has worked with a number of local Connecticut companies involved in the recovery process. We’re happy to recommend those who have exceeded our expectations:

Public Adjustors

We recommend Dillman and Dillman as a public adjustor on all fire and flood issues in Connecticut. Our previous experience has shown that they have a deep understanding of the intricacies of these claims, and the empathy and understanding required to navigate a difficult experience like fire or flood.

Restoration and Mitigation

Our preferred restoration service is Restoration One of Hartford County. Owner Steve and his team have worked with us on a number of projects related to property damage and insurance, and their level of quality, communication, and understanding exceeds most in the industry.

Remodeling and Contracting

Fine Home Contracting is happy to offer remodeling and repair services for flood, fire, and other insurance jobs. Our process as a full-service remodeling company, and our experience working with the companies listed above have given us the experience needed to take on these larger, more entailed repairs and remodels. We are happy to provide recommendations, answer questions, and guide you through this process, whether or not you choose us as your contractor in the end. Please feel free to get in touch if there is anything we can do while you navigate this difficult, harrowing time of your life.

Recovering from a fire or flood is a process that requires patience, organization, and the right support. By following this guide, homeowners can navigate through the immediate aftermath, handle insurance claims effectively, and plan for a resilient rebuild. Remember, the key is to act swiftly but thoughtfully, leveraging professional help and resources available to you.

Throughout each phase, keep detailed records, stay proactive in communication with your insurance and restoration professionals, and prioritize your family’s safety and well-being. With time, your home can be restored, and this challenging experience can lead to a stronger, more secure future.

Rebuilding your home and your life after such a loss isn’t just about repairing structures—it’s about reclaiming your sense of security and comfort. By being informed and prepared, you can make this journey a testament to resilience and hope.

About the Author: David Perrotti

Dave has over 20 years of experience in the construction industry, is a Bestselling Home Improvement Author on Amazon, and constantly seeks to reinvent the remodeling industry. As a veteran of the Army and Air Force, Dave operates his business, Fine Home Contracting, on the core army values of loyalty, duty, respect, selfless service, honor, integrity, and personal courage.
By Published On: January 16th, 2024Categories: Disaster Preparedness, Home Improvement Contractor, Home Remodeling1 Comment on Recovering from Property Loss: A Homeowner’s Guide to Fire and Flood Recovery

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