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<br />~l. <br />IT <br />!I Get Oruanized <br />~@._,..,+ . 0' <br /> <br />12 <br /> <br />and debris, should be thrown <br />away. Tell your agent or adjuster <br />that you will be getting rid of <br />this trash. That person should <br />tell you what to do so that all of <br />your losses can be recorded <br />properly by the adjuster. (See <br />pages 16-17 on sorting items to <br />discard.) You may be told to <br />keep a sample of some items, <br />such as a piece of carpet or <br />upholstery; to show the value of <br />what you have thrown away. <br /> <br />L\VING-_EOO,'-\ C.Oi:!c~TS <br />[. ~!, I <br />, c <br />, t' $'" +' . . <br />IrJhf n$IOD ~r~ I ' <br />,^r''lCS I 8'~ ,>"$ CbEAN P <br />-1.9:15 " _f2CQ '~.!Q!:_OFl" 'Era: ;TL <br /> <br /> <br />~~ <br />n"I""_'JC,__0X!.'JL_~_..fe:;:-t"2.,7()() , <br /> <br />Ask someone to sign your <br />record as a witness. The invento- <br />ry form shown here gives an <br />example of how you might list <br />damage to the contents of your <br />home. If you have flood insur- <br />ance, you will need to file a <br />proof of Loss form within 60 <br />days of the flood. (See Step 7.) <br />Completing your own inventory <br />form will help the adjuster <br />determine the costs to repair the <br />damage to your home and <br />belongings. <br /> <br />Check 'or S'ruc'ural <br />Damage <br />You need to find out whether <br />there is any structural damage to <br />your home. (You will probably <br />need professional help in mak- <br />ing this decision.) <br /> <br />Is there evidence of broken or <br />cracked basement or foundation <br />walls? Has the ground next to or <br />under your home been washed <br />away? Are there broken pilings, <br />shifted stairs, or slanted floors <br />or walls? Any of these things <br />could mean that the foundation, <br />floors, or walls will have to be <br />totally rebuilt. Repair safety haz- <br />ards such as broken pilings or <br />an undermined foundation <br />before you proceed any further. <br />Get professional help for any <br />task you cannot confidently do <br />yourself. <br />You will need a building per- <br />mit to repair structural damage. <br />Talk to your local building <br />department before you start <br />building or repairing or before <br />you sign any repair contracts. <br />If the damage to your house's <br />structure is more than 50 per- <br />cent of the market value of your <br />house, most local building codes <br />will require you to elevate it <br />above flood levels. Some may <br />not allow you to rebuild at all. <br />(For more information about <br />building permits, see Step 8.) <br /> <br />JUk 'he 8'g que.,'on <br />Odds are that the area where <br />you live will flood again. Before <br />you spend a lot of money and <br />effort repairing and rebuilding, <br />ask yourself this question: <br /> <br />Do I really want to be <br />flooded again? <br /> <br />If you think that you would be <br />better off in a different location, <br />talk to your local government or <br />disaster assistance officials about <br />help rebuilding where floods <br />