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The recent heavy rains in Atlanta's low lying areas as well as near creaks,rivers where completely flooded. What a nightmare for those in low lying areas with no flood insurance. What can you except when getting back into your home? What are some of the problems you could face.

Wind and water can cause a house's structural components-the struts, studs, and foundation-to shift or warp. Tilting walls or a shifted roof also suggest dangerous structural damage that could signal an imminent collapse. Flood victims should check the their homes for cracks before venturing inside.

Inside the house, ceilings may sag under the weight of trapped water or soggy drywall. Wet floorboards bend and buckle, and the roof may leak or break altogether. Flooding in the basement can be especially dangerous; if the water is removed too quickly, pressure from the soaked earth outside can push inward and crack the foundation walls.

Brick and masonry houses will suffer less exterior damage than those made of wood. In all types of housing, though, flooding will most likely destroy the interior walls. Soaked wallboard becomes so weak that it must be replaced, as do most kinds of wall insulation. (The higher the water gets, the more interior walls must be replaced.) Studs will eventually dry out and return to their original shape, but any plywood in the walls is likely to swell and peel apart. Water can also dissolve the mortar in a chimney, which creates leaks and thus a risk of carbon monoxide poisoning once the heat comes back on.

Structural hazards account for only one category of water damage. Floods often deposit dirt and microorganisms throughout the house. Silt and sediment can create short circuits in the electrical system as gunk collects in walls and in the spaces behind each switch box and outlet. Appliances, furnaces, and lighting fixtures also fill with mud, making them dangerous to use.

Anything that gets soaked through with water may contain sewage contaminants or provide a substrate for mold. A long-lasting flood provides more time for the mold to grow and requires more cleanup after the fact. Carpets have to be thrown away, along with mattresses, bedding, and most upholstered furniture. Kitchen items, clothes, washing machines, and dryers must be disinfected with bleach, and all surviving interior surfaces should be cleaned to prevent mold growth. Standing water in a house can also serve as a breeding ground for insects and other animals.