We've just suffered some flood damage - flash flooding following heavy rain
> on Friday morning. Water rose over our door level and came into the ground
> floor, wetting some carpets. The water receded within half and hour and we
> mopped up as best we could, but we did not take up the carpets (they are
> fitted) although we dried them using a professional vacuum similar to the
> carpet shampoo types, so they were touch-dry on the surface.
>
> The floor is solid, probably concrete over stone, in a 200 year old stone
> cottage (not a listed building). There has never been a damp course and we
> have never suffered from damp.
>
> The plaster walls (emulsioned) are now visibly damp up to 12" from the
> floor (the water never rose above the carpet pile). I am expecting the
> insurers to visit on Monday; should I argue that the plaster needs to be
> replaced? If so, on what basis or precedent?
>
> As for the carpets, there is now a horrible smell starting and I am trying
> to let the air in as best as I can. I am also using our steam cleaner in
> the hope of killing or slowing the growth of any fungus or mould. I'd be
> glad of any advice.
>
> I am fully insured all-risks (including flood) and new-for-old. Can anyone
> give me any tips as to how to handle this? Many thanks.
>
> David
>
>
A flood is horrible to go through and even worse to mop up after. Definitely lift all the carpets because they'll be holding bacteria that was washed in by the water and are now a health hazard, hence the foul smell as the first warning of this. Also check that the floor shows no signs of heave (rising) or subsidence (dropping), then give the whole thing time to dry out before putting anything back.
Water damage can take weeks to show itself, so get ready for a wait before making everything good again. This might be a chance for you and your insurer to do something to prevent any reoccurrence.