How to Start Insurance Claims for Flood Damage

How to Start Insurance Claims for Flood Damage

After a flood inundates your home, you are usually left with damage that needs to be repaired and items that must be replaced or restored. The repair and restoration process will be costly, but having a policy for flood insurance will help.

If your insurance policy covers flood damage, you can get financial assistance to assist with the recovery costs. To ensure that your claim is processed promptly and properly, there are several steps you need to follow. They include:

  • Get in touch with your insurance provider – Your insurance company needs to be contacted as soon as possible. Because flooding is usually an event that affects more than one home in a community, calling your insurance company ASAP will increase your chances of being one of the first to receive assistance.
  • Prepare your home for inspection – The next thing on your list of must-dos is to prepare for your adjuster’s visit. After ensuring that your home is safe to enter, you need to document the damage by taking videos and photos of the affected areas. List all items that have been damaged, from furniture & appliances to upholstery &tcarpets, and catalog everything on a room-by-room basis. You can remove water-damaged items from the premises but don’t throw them away because your adjuster will need to see them. Perishables can be disposed of because they pose a health risk.

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  • Sign a proof of loss statement – After working with your adjuster, you will need to sign a document agreeing to the cost of damages incurred so the adjuster can submit it to your insurance company for processing.

Once you have fulfilled all of these steps and followed the proper procedures in filing your insurance claim, you need to call Dreyer's DKI to restore your home to its original form. For the past four decades, we have been restoring homes and commercial properties throughout the Gainesville, Ocala, and Lake City, FL areas. We can get your home restored in no time.

Our flood damage restoration process includes drying your home, remediating any mold issues and restoring your residence to its original condition. We can also take care of other problems that arise such as carpet cleaning, mold remediation, and upholstery cleaning. Don’t hesitate to contact us when you need help with your home after a flood. Just call us at 352-403-0085 to schedule a free evaluation and estimate for your home restoration needs.