What should I do with the furniture before the crew comes?
Move valuable and small items up and out of the water if it is safe to do so, and photograph the room before anything is moved. Do not lift heavy furniture that is standing in water, and do not plug in or switch on electronics.
A quick photograph of each room, with the water line visible, is more useful than a perfect list written later. Keep the photographs with the date and the time, and note any items you already moved.
If items have to go to the curb before the crew arrives, photograph them first and keep a note of what they were. A discarded item with no record is hard to claim for, even when it was ruined.
How are cleaning and disinfecting done?
The method depends on the material. Solid wood and metal are washed and dried, glass is washed, and sealed surfaces are wiped down. Porous items that held silt or sewage are usually removed rather than cleaned, because the contamination does not come out of the material.
The crew uses products that suit the material and the contamination, and it does not mix cleaning products. Dried silt is brushed off before washing, because wet silt can smear into the grain of wood and the weave of fabric.
A cleaned item is dried in a ventilated place and checked for odour before it returns to the house. An item that still smells after cleaning is a candidate for discard.
Where is pack-out stored while the house is repaired?
In a dry, secure and ventilated space chosen with the homeowner, which may be a clean room in the house, a garage or a storage unit. The storage location is recorded and the items are kept off the floor and away from heat sources.
A storage unit is often used for larger jobs, and it should be dry and secured against pests. Items should be labelled with their log number so they can be found and matched to the record.
Keep the storage period short where possible. The longer an item sits in storage, the more likely it is to need further cleaning or to be discarded.
How does the insurer look at contents claims?
The insurer looks at whether the item was damaged by the water, whether it can be cleaned, what it would cost to replace and whether the policy covers contents at all. Your log, photographs and the item's age or condition all feed into that.
Keep receipts or photographs of valuable items where you can, because the insurer may ask for proof of ownership. Records of the pack-out, storage and disposal are also part of the claim.
The North Carolina Department of Insurance can take a complaint about how a contents claim is handled, but the policy and the insurer decide what is paid.
What if an item is valuable but damaged?
Keep it, label it and ask a specialist to assess it before anything is decided. Art, documents, photographs and some electronics can sometimes be saved if they are handled early, but the decision needs a qualified opinion and a written record.
Valuables that were in water need a different path from ordinary furniture. Do not dry a painting or a photograph with a hair dryer or a heater, and do not open a sealed electronic device to check it. Each item is wrapped in clean, dry material, labelled with its log number and moved to the storage space the crew has set aside.
Ask the insurer in writing whether it will pay for a specialist assessment. Many claims stall on a valuable item because nobody asked for the assessment in time, and the record should show when the question was raised and what was decided.
Keep a copy of the pack-out log in the same folder as the photographs, and make sure each storage label matches a line in it. When the items come back to the house, check each one against the log and mark it as returned. That final check closes the record and shows the insurer that nothing was lost in storage. Where a storage unit is used, check the access terms and the insurance the storage company holds for its own premises, and keep the receipt with the log.