Lessons from Hurricane Ian
During Hurricane Ian, the National Hurricane Center found maximum storm surge inundation of 6 to 9 feet above ground level in Cape Coral and other communities along the mouth of the Caloosahatchee. Many homeowners learned recovery the hard way. This guide puts the steps in order, for a storm surge or a burst pipe alike.
Before you go back in
- Wait for officials to say it is safe to return after a storm.
- Do not turn on power in a home that flooded until an electrician has checked it.
- Wear boots and gloves. Floodwater carries sewage and debris.
- Photograph and video everything before you move it.
The first day
1. Report the claim to your insurer and, for flood damage, to your flood insurance carrier. Get claim numbers for each. 2. Stop further damage: tarp openings and remove standing water. 3. Start drying fast. Fort Myers averages about 3,353 hours a year with the wet-bulb temperature above 73°F. In that humidity, damp materials stay wet and mold becomes a real risk quickly. Run the air conditioning and dehumidifiers as soon as power is safe.
Removing wet materials
After a flood, wet drywall, insulation, carpet and pad usually need to come out, often up to a set height above the waterline. A water damage contractor should take moisture readings and photos and give you a written scope. Keep samples or photos of removed materials for your adjuster.
Permits and floodplain rules
Repairs after a flood often need city permits. The City of Cape Coral's 2026 fee schedule lists a floodplain review at $55 per review and adds a 2.5% surcharge to permits associated with enforcing the Florida Building Code. In a flood zone, heavy damage can trigger rules on elevating or rebuilding; ask the city's permitting staff what applies to your address before planning major work.
Free help with your claim
Florida's Division of Consumer Services, in the Department of Financial Services, advocates for policyholders free of charge through its Insurance Consumer Helpline, 1-877-693-5236, and offers a free, non-binding mediation program for residential property insurance claim disputes.
Keep a claim file
- every receipt for supplies, equipment, meals and lodging;
- photos of each room, before and after cleanup;
- a list of damaged belongings with age and value;
- notes on every call with an adjuster.
Rebuilding stronger
Ask about water-resistant materials below the flood line, raising outlets and equipment, and backflow valves on sewer lines. Get written quotes and check each contractor's Florida license number before signing.