What To Do When Filing A Flood Insurance Claim
Most homeowner’s insurance does not offer flood coverage. However, if you have a separate flood policy for your home, then you will want to file an insurance claim if your home has been damaged. The process can sometimes be frustrating or confusing, so use the following tips to help your claim go smoothly.
1. Call Your Insurance Agent
The first step in filing a flood claim is calling your insurance agent. In some cases, the company can deny your claim if you have waited too long to contact them. Getting the process started right away will prevent this.
2. Take Pictures
After you have contacted your agent to begin the process, you should take photos of any areas of the house that have been flooded. Be sure to photograph any affected items as well. This will help the insurance company determine the extent of the damage. Keeping a list can be helpful as well.
3. Set Aside Affected Belongings
Once you have taken pictures and documented the damage, you don’t need to wait for the insurance adjuster to arrive to begin moving your items. If you allow them to sit in the water, the damage will only worsen, so you should relocate them to a dry area quickly.
4. Prevent Additional Damage
If the insurance company does not believe that you have taken the necessary steps to prevent further damage, this can affect your flood claim. It is a good idea to call a water damage restoration company, like SERVPRO to do repairs, but you can start on remediation before they arrive. Along with moving affected items, you can board up areas and place tarps to prevent the water from spreading.
Making a flood claim may not always be the simplest process, but there are things you can do to make it easier on yourself. Following this advice will help move it along more quickly and ensure you get the most that you can from your policy.