Your home flooded. What to do now.

Guide for Hurricane Milton and Helen Victims: Rebuilding and Recovering Your Home

In the aftermath of Hurricanes Milton and Helen, many Florida homeowners face the daunting task of restoring their homes and lives. If your home has been damaged, you may be overwhelmed with questions about where to start, who to contact, and what’s required to ensure safety and compliance with state regulations. Here’s a guide on the options and resources available to you for a safe and effective recovery.

1. Where to Find Assistance and Financial Support

Local Municipal Resources

Many municipalities in Florida have designated resources and funds specifically for hurricane recovery. Here’s how to access assistance:

• Check with your city’s emergency management office to find out about local relief efforts and programs.
• County Assistance: Each county may have its own emergency response programs. Contact your county office to inquire about shelters, cleanup services, temporary housing, and financial assistance.

FEMA Assistance

• Federal Assistance: The Federal Emergency Management Agency (FEMA) provides various forms of disaster relief, including temporary housing assistance, home repair grants, and low-interest loans to help with rebuilding.
• Applying for FEMA Aid: You can apply online at DisasterAssistance.gov, call FEMA’s toll-free helpline at 1-800-621-FEMA (3362), or visit a Disaster Recovery Center in your area for in-person assistance.

2. Obtaining a Building Permit and Understanding Restrictions

When rebuilding, you’ll need to ensure your plans meet Florida’s building codes to promote safety and resilience in hurricane-prone areas. Here’s what to know:

• How to Get a Building Permit: Permits are typically issued by your local city or county’s Building Department. Requirements vary depending on the extent of damage and the type of work you need to complete.
• Special Restrictions for Coastal and Flood-Prone Areas: Homes in high-risk zones may have stricter requirements. This could include elevated structures, impact-resistant windows, and fortified roofing.
• Electrical Permits for Wiring: If your home’s electrical wiring has been damaged, an electrical permit is likely necessary. Your electrician can guide you through the application process and advise on code compliance.

3. Electrical Safety: Restoring Your Wiring to Code

Electrical wiring that has been exposed to water or damp conditions can pose significant hazards, including short circuits, fires, and electrocution. Here are the key points to address when restoring your home’s electrical system:

• Contact a Licensed Electrician: Damaged wiring must be inspected by a licensed electrician who understands Florida’s building codes and requirements.
• Replace, Don’t Just Repair: According to the National Electrical Code (NEC) and Florida’s state regulations, damp or submerged electrical components, including outlets, circuit breakers, and wiring, often need to be replaced rather than repaired. Even slight moisture can compromise their safety and reliability.
• Inspect Main Service Panels and Breakers: If your home’s electrical panel was submerged, it may need complete replacement. Fuses, switches, and breakers exposed to water are generally not safe for reuse.
• Code Requirements: Florida’s building codes require that all repairs follow NEC guidelines, which mandate replacement of damaged wiring with materials suited to the local climate and conditions.

4. Mold Prevention and Remediation Tips

Florida’s humid environment, combined with the moisture left by the hurricane, creates ideal conditions for mold growth, which can affect indoor air quality and damage structures over time. Here’s how to prevent mold growth during your rebuilding efforts:

• Dry Out the Affected Area Promptly: Use industrial fans and dehumidifiers to remove as much moisture as possible. Mold can begin to grow within 24-48 hours, so act quickly.
• Inspect for Mold in Hidden Spaces: Common areas where mold can hide include behind drywall, in insulation, under flooring, and around windows. Mold inspections can help identify these hidden sources.
• Treat Surfaces with Antimicrobial Solutions: After drying, treat exposed surfaces with antimicrobial products that prevent mold growth.
• Hire Mold Remediation Specialists: If mold is extensive, it’s wise to work with a licensed mold remediation expert who can safely remove and treat affected materials.

5. Additional Resources

• Centers for Disease Control and Prevention (CDC): Offers resources on mold prevention, cleanup, and health considerations. Visit CDC’s Mold Resource Page for detailed guidelines.
• Florida Department of Health: Provides information on hurricane recovery, mold prevention, and electrical safety tips. Visit the official Florida Department of Health website for updates.
• HUD (Department of Housing and Urban Development): Offers financial assistance options for those unable to afford repairs. Visit HUD’s Disaster Recovery Assistance for more details.

Final Tips for a Safe and Resilient Rebuild

Recovering from a hurricane can be a long and challenging process, but taking steps to comply with Florida’s building codes, addressing mold prevention, and securing reliable financial assistance can make all the difference. By staying informed and connected with local resources, you’ll be better prepared to restore your home safely and effectively.

For those affected by Hurricanes Milton and Helen, know that help is available, and recovery is possible with the right approach and resources. Reach out to local organizations, government programs, and licensed professionals who can guide you every step of the way.