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.