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After the Flood: Homeowner Recovery Forum

San Juan County officials and local trades spent two hours answering homeowners' questions about flood recovery. Two of the panelists were ours. Here is what was covered, with a jump link into the recording for each part.

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The recording

After the Flood: Homeowner Recovery Forum

Recorded at San Juan College, Henderson Fine Arts Center and published by San Juan College. Runs about 2 hours 3 minutes. Every link on this page opens the recording at the part it refers to.

M&R on the panel: Daniel Frank (CEO, M&R Service) and Eddie New (Owner, M&R Electric).

What was covered

Ten things worth knowing, in the order the forum took them

Each point links to the moment it was discussed. Speakers are identified by their role — the recording names everyone.

Document everything before you touch anything

The paperwork you create in the first days decides what you can claim later, and it cannot be recreated once the damage is cleaned up.

  • “The most important thing is that you document. Take pictures. [...] Even if you don't have flood insurance, contact your insurance agent and get that denial letter. That's the number one thing you can do even before you get into your home.”

    San Juan County Floodplain Administrator · jump to 6:59

  • “Call us, ask us. If you don't know, ask. Because if you have to go backwards, that's whenever you get into a bind. So call before you do.”

    San Juan County Floodplain Administrator · jump to 1:46:19

  • “It's not to say that because you contact a contractor you have to hire him, but it will help you with your documentation.”

    NM Regulation & Licensing, Manufactured Housing Division · jump to 1:56:02

Insurance and your mortgage

A deferment moves payments; it does not remove them. Worth hearing in full before agreeing to anything.

  • “There are deferment options. No — the deferment is just that. When that deferment period is over, you're going to have those payments.”

    A local lender on the panel · jump to 24:30

  • “You're in the driver's seat. This is your financial investment.”

    A local lender on the panel · jump to 25:33

Electrical safety

From M&R Electric's owner, who sat on the panel for this section.

  • “Water in any sort and electricity are not safe combinations. So if you do have any standing water, whether it be inside or outside, don't walk through that water.”

    Eddie New, owner, M&R Electric · jump to 31:01

  • “These are like 20 to $50 each. You can get them at Home Depot or any of the stores. [...] If you're going to start dealing with your house at all and digging into things on your own, I would definitely carry one of these. It could save your life.”

    Eddie New, on carrying a non-contact voltage detector · jump to 32:44

  • “Any electrical contractor would be putting themselves in a lot of risk of liability by recommending reusing anything that has been exposed to contaminated water.”

    Eddie New, owner, M&R Electric · jump to 35:00

Gas, heat and carbon monoxide

The part of the forum most worth watching if a furnace or water heater went under.

  • “If it's underwater, no. The general rule of thumb should be no.”

    An HVAC contractor on the panel, on a submerged furnace or water heater · jump to 44:52

  • “Anything that burns fuel will produce carbon monoxide. [...] Go buy multiple carbon monoxide detectors right now.”

    An HVAC contractor on the panel · jump to 49:19

  • “Never, ever run your gas oven. [...] When you open the door, that allows carbon monoxide to come out into your home.”

    An HVAC contractor on the panel · jump to 51:29

  • “Time is not your friend [...] Staying stagnant and letting things get worse is only going to contribute to the problem.”

    An HVAC contractor on the panel · jump to 1:53:31

Water, wells and septic

From M&R Service's CEO, who covered plumbing and septic on the panel.

  • “There's nobody checking the quality of the water in the well. [...] Do not use that water or take any type of consumption of that water if you're on a well.”

    Daniel Frank, CEO, M&R Service · jump to 55:28

  • “There's water tests and kits you can get from a box store or order from Amazon. That's not the type of test you need.”

    Daniel Frank, CEO, M&R Service · jump to 56:02

  • “If you couldn't see it before and now you can, then there's a high chance that something is damaged.”

    Daniel Frank, on a septic tank or lid that has become visible · jump to 1:03:31

  • “It's not a money grab, it's really about putting our community back together.”

    Daniel Frank, CEO, M&R Service · jump to 1:51:48

Mold and drying out

The timeline is shorter than most people expect, and air movers can make the wrong situation worse.

  • “Mold can start growing about 48 hours after the loss. It could become visible about 72 hours.”

    A local restoration contractor on the panel · jump to 1:09:09

  • “If you guys are seeing substantial mold growth, it's recommended not to be blowing air movement on that. We need to remediate that first.”

    A local restoration contractor on the panel · jump to 1:57:29

Protective gear, and who should stay out

Floodwater is treated as contaminated, and some people should not be in it at all.

  • “It's really easy to migrate contamination from your hands to your face to other parts of your body.”

    A local environmental cleanup contractor on the panel · jump to 1:20:44

  • “Young children and old elderly or immunocompromised people really need to kind of stay out of the flood zones for now until a lot of this is handled.”

    A local environmental cleanup contractor on the panel · jump to 1:59:26

Manufactured homes

The underbelly is where the water hides, and it has its own state division.

  • “With PPE especially, go under there and poke some holes in that underbelly and see if you have any water or moisture in there.”

    NM Regulation & Licensing, Manufactured Housing Division · jump to 1:30:06

Scams to watch for

Three tells that came up repeatedly, and ones worth repeating to anybody elderly you know.

  • “If they're making you pay up front and they say they're a volunteer, then they're not volunteering, are they? So watch out for volunteers that make you pay.”

    San Juan County Floodplain Administrator · jump to 14:01

  • “FEMA is never going to ask you for your bank information. They're not going to ask you for your social security number.”

    San Juan County Floodplain Administrator · jump to 15:52

  • “If they're telling you to get permits in your name, that's the first indicator that that's probably not somebody that you want to use.”

    NM Regulation & Licensing, Manufactured Housing Division · jump to 1:57:10

Where to get real information

Straight from the county.

  • “The best place for accurate, up-to-date, vetted information is the San Juan County Office of Emergency Management Facebook page, as well as the sjcoem.com page.”

    The San Juan County Manager · jump to 1:24:01

About these quotations

These are transcribed from the published recording, and each link opens it at the point the remark was made. Where words have been left out, an ellipsis marks the gap. The recording is the source of record — if a detail matters to a decision you are making, watch it there.

Still working through flood damage?

Plumbing, electrical, HVAC and septic, with licensed crews in San Juan County. Call (505) 325-9312.

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