Making a Flood Claim

5/27/2022 (Permalink)

If you have flood insurance, you may not be in as much trouble as others, but filing a flood claim can be daunting if you've never done it before.

How To File A Flood Claim

Storms can bring floods, which can result in many problems for homeowners. If you have flood insurance, you may not be in as much trouble as others, but filing a flood claim can seem overwhelming if you have never been through it. Flood mitigation services in College Station, TX, often recommend following a four-step process for dealing with the aftermath of flooding.

1. Filing an Insurance Claim

You want to keep your insurance provider in the loop. Therefore, as soon as you realize your home is flooding or flooded, call your insurance contact. You want to report the damage so the adjuster can start the claims process, including any necessary paperwork.

2. Mitigating Further Loss

Most insurance companies find it difficult to approve a flood claim if homeowners do nothing to mitigate further loss. Your insurance is only for the initial damage. If you do nothing to protect your home and something else happens, your insurer will likely not cover it. Therefore, contact a mitigation service to help cover any holes or excavate any water.

3. Documenting Damage

The insurance adjuster will want a full inventory of the damage to the home and personal property. Before removing water, try to take as many pictures of the damage as possible. With the water removed, take closer pictures to show the adjuster when they arrive.

4. Waiting for the Adjuster

The insurance adjuster will do their own assessment of the property and any items. However, having photos and receipts ready when they arrive can make the process run a little smoother. Adjusters are busy people, so anything you can do to save them some time is appreciated.

A flood claim is a straightforward process, but it can be time-consuming. Following the above steps can help speed things along and eliminate any potential hiccups in the process.