Steps to Take when Making a Flood Damage Claim

5/16/2022 (Permalink)

If you have flood insurance, there are steps that you should take as soon as possible to file a flood claim.

Procedures To Follow When Filing A Flood Damage Claim

Dealing with flood damage in Dixieland, FL, is stressful. Whether you had inches or feet of flooding, not only are you dealing with ruined items, but you may also have to find a place to live for a while. If you have flood insurance, there are steps that you should take as soon as possible to file a flood claim.

1. Report the Flooding to Your Insurance Company

The first part of filing an insurance claim is to report the loss to your insurance company in writing, although you should also call them right away to let them know you will be filing. The faster you do this, the quicker you will receive compensation to replace what is lost.

2. Get Ready for the Flood Claim Inspection

Document the damage with as much detail as possible. Take pictures and videos of everything that will need to be fixed or replaced. Some things, like perishable food, you will need to throw away, but make sure you document the damage with pictures first.

3. Discuss Details with the Adjuster

When the adjuster comes by to conduct the inspection, show them the evidence of the damage and losses. More than likely, you will need cleanup help from a professional restoration service. Before signing a contract, consult with the adjuster or insurance company. Give the adjuster your current contact information if you are staying someplace else while work is being done on your home. After inspection of the home, pictures and videos, the adjuster will be able to give you a more accurate estimate of your flood loss.

Experiencing flooding of your residence is never fun, and it can result in major damage, not only to the home's structure, flooring and furnishing, but also to the electrical and HVAC systems. When filing your flood claim, make sure the estimate includes the repair of everything as well as clean up.