He said most insurance companies use third-party labs to take samples from the carpet fiber, dry wall and other materials in flooded homes to figure out what's covered.
If you start yanking that stuff out, it's like stomping all over a crime scene. You destroy evidence -- and your insurance company won't pay.
Allen said before you do anything, CALL YOUR INSURANCE AGENT OR COMPANY. They may tell you to go ahead and move a few possessions to dry land.
But they should recommend a PREFERRED VENDOR LIST of contractors they'll cover who can come out, clean out and do minor repairs before the adjuster gets on the scene.
If your agent cannot recommend a preferred contractor, you do the same thing you'd do if it was a typical home repair job. Shop contractors with good ratings from the Better Business Bureau (http://memphis.bbb.org/) and from your state contractors board or attorney general's office:
Get written estimates that include very specific line-items of the work to be done. Once you pick a contractor, make sure the proposed work meets your insurance policy's restrictions and filing requirements.
Just don't start doing work yourself without knowing your policy's limitations. If you do, you're just giving your insurance an excuse not to pay your claims.