Rebuild FAQ

Don’t just build it back; build it back better. This might be the best time to think about remodeling.  While your policy will pay to replace your covered damages with items of Like, Kind and Quality, it DOES NOT pay for upgrades, improvements or code compliance.  These expenses will have to come out of your own pocket.

Also, now is the best possible time to think about flood proofing your home because you can take definite action to protect your property in the future.  Many flood proofing measures are quite simple, cost-effective, and easy to put in place. By flood proofing, as you rebuild, you can make the next flood easier on you and your wallet


A contractor can make or break you

You may need a contractor to help you rebuild, especially to handle the difficult jobs such as foundation repair and electrical work.  If you have been satisfied with work done by licensed local contractors, try them first. If they cannot help you, ask them for recommendations.  If you must hire a contractor you do not know, talk to several contractors before you sign anything. Reputable contractors would agree that you should take the following steps:

Areas recuperating from floods are often prime targets for less­ than-honest business activities.  Building codes often require that work be done only by licensed contractors. Some building departments and trade associations keep lists of contractors who work in the community.  Here are some points to remember:

Building Permits

Once you’ve determined the repairs and flood-proofing measures you are going to take, local codes generally require that you get a building permit. Before you make repairs or alterations to your home or property, make sure your plans are reviewed and okayed by your building department. You may also need to get the okay of our homeowner’s association or mort­gage holder before you make repairs or alterations to your home or property.