Water damage insurance questions?

Last night, my son got out of bed and played in the bathroom. He has never done this before but he apparently filled the sink with toilet paper which made it fill up to the point of overflowing. When i heard him playing in the hallway I got up immediately and saw that he was soaked and heard the water running. It was far too late- the water had filled the bathroom to about a 1/4 inch of water and it had flowed out to the hallway carpet, and worse flowed through the vent which led to our downstairs stairwell/hallway/laundry room. it was a water fall coming through the ceiling. The recessed lighting and dropped ceiling was was pouring water all over our hardwood floors, washer and dryer, living room rug and staircase. it even got through a bit to the basement. We spent hours removing vents, drying and cleaning everything and removing bits of fallen dropped ceiling, and set up fans and buckets to catch/dry up whatever was left but im sure it got under the floors and that there are areas we couldn't access in the ceiling that are damp. Here are my questions:

1. Today is Saturday and im not sure if i should call insurance today or wait til monday.

2. Im not sure if i should call insurance at all? Will it cover such an act?

3. We had not updated our insurance about the hardwood floors yet- so will that harm us when we call?

4. Is there the possibility of mold or other poisons in the air now? is it safe to be in the house?

5. How do i get the musty odor out of the house?

6. My son that did this has special needs (PDD NOS) so does insurance change its coverage based on that or would respite help the costs of cleanup?



I really appreciate all and any help or advice. thank you!Water damage insurance questions?
your insurance company is the only one who can answer your questions. coverage will vary by state. no one on here could possibly know what is in your policy. call them, that is what they are there for.Water damage insurance questions?
I doubt there is any mold or mildew in such a short period of time...

I would make sure electricity is shut off in the area that has been flooded...

You need to call the insurance company and ask what coverage you have...



You will get rid of a musty odor smell if it occurs, after the clean up...

just let in some fresh air....make sure you clean your carpets/padding...