Property damage caused by flooding can feel overwhelming and stressful. King County’s priority is keeping you safe and supporting your recovery. The information below will help you report impacts to your home or property, and understand the resources that may become available to help you.
Visit the Flood recovery resources – King County, Washington website for help with mold cleanup.
Report Damage
If you were affected by recent weather events, please complete the appropriate survey:
- Residential Damage: KCOEM Residential Impact Survey
- Business Damage: KCOEM Business Impact Survey
Accurate documentation is essential for insurance and potential FEMA assistance. Follow these steps:
1. Gather Your Information
Have your home insurance policy number, insurance company contact information, and personal details ready.
2. Document the Disaster
Record the date, time, cause of damage, and a detailed description of what happened.
3. List Damaged or Missing Property
List everything that is damaged or missing. Take clear photos and videos of all damage, both inside and outside of your home.
4. Save All Receipts
Keep receipts for repairs, replacements, and any disaster-related costs. These may be reimbursed.
5. Act Quickly
Photograph and record damage before cleaning up, repairing, or discarding items.
6. Record Serial Numbers
Document serial numbers for electronics and appliances when possible.
7. Prepare for FEMA Inspections
If your area is approved for FEMA assistance, you will need to apply online or by phone. During your assessment, clearly describe all damage and impacts. Information on how to apply for FEMA assistance will be provided if Washington state receives a Presidential Disaster Declaration.
Homeowners Insurance and Mold
- Most standard homeowners’ insurance policies do not cover mold, fungi, rust, or rot.
- Mold is usually treated as a maintenance issue rather than sudden disaster damage.
- Check your policy or speak with your agent to confirm your coverage.
When you are assessing your damage and filling out the King County survey, here are the definitions for each level of damage:
Affected
- Waterline in the crawl space or unfinished basement
- Damage to attached structures, gutters, landscaping, or downed trees that do not block access
- No damage to essential living spaces or mechanical systems
Minor Damage
- Waterline below electrical outlets on the lowest floor with essential living space
- Damage or contamination to a private well or septic system
Major Damage
- Waterline at or above electrical outlets in essential living spaces
- Waterline on the first floor, even if the basement is fully submerged
Destroyed
- Collapse of major structural components (foundation, walls, roof)
- Waterline at or above the ceiling of a living space
- Only the foundation remains
- Home is at immediate risk (landslide, mudslide, sinkhole)
Important Note
Damage may be considered major even if water stays below electrical outlets when:
- Flooding lasted a long time
- Water contained sewage, fuel, or chemicals
- Mechanical systems in the basement were damaged